Call reports 2013
CENTRAL BANK AND TRUST CO. — 2013
What CENTRAL BANK AND TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 253,337,000 | 253,775,000 | 256,252,000 | 258,541,000 |
| Total loans | 155,652,000 | 163,084,000 | 165,229,000 | 171,752,000 |
| Allowance for loan losses | 3,996,000 | 4,253,000 | 4,254,000 | 4,391,000 |
| Securities available for sale | 55,999,000 | 59,565,000 | 57,466,000 | 58,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,454,000 | 224,923,000 | 228,358,000 | 222,457,000 |
| Interest-bearing deposits | 193,458,000 | 192,116,000 | 194,726,000 | 185,140,000 |
| Noninterest-bearing deposits | 31,996,000 | 32,807,000 | 33,632,000 | 37,317,000 |
| Equity capital | 22,598,000 | 21,254,000 | 20,304,000 | 20,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,426,000 | 4,885,000 | 7,401,000 | 9,944,000 |
| Interest expense | 252,000 | 509,000 | 769,000 | 1,017,000 |
| Net interest income | 2,174,000 | 4,376,000 | 6,632,000 | 8,927,000 |
| Noninterest income | 747,000 | 1,369,000 | 2,163,000 | 2,768,000 |
| Noninterest expense | 1,844,000 | 3,608,000 | 5,408,000 | 7,194,000 |
| Provision for loan losses | 378,000 | 630,000 | 630,000 | 630,000 |
| Pretax income | 699,000 | 1,507,000 | 2,757,000 | 3,751,000 |
| Income tax | 24,000 | 57,000 | 109,000 | 150,000 |
| Net income | 675,000 | 1,450,000 | 2,648,000 | 3,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,010,000 | 21,391,000 | 20,439,000 | 20,131,000 |
| Total capital | 24,280,000 | 23,748,000 | 22,865,000 | 22,637,000 |
| Risk-weighted assets | 179,910,000 | 186,712,000 | 192,219,000 | 198,577,000 |