Call reports 2014
CENTRAL BANK AND TRUST CO. — 2014
What CENTRAL BANK AND TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 261,455,000 | 260,057,000 | 258,299,000 | 258,995,000 |
| Total loans | 173,864,000 | 177,909,000 | 179,332,000 | 188,598,000 |
| Allowance for loan losses | 4,385,000 | 5,076,000 | 5,067,000 | 4,929,000 |
| Securities available for sale | 55,190,000 | 54,075,000 | 52,353,000 | 46,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,975,000 | 233,683,000 | 226,087,000 | 220,724,000 |
| Interest-bearing deposits | 194,123,000 | 191,771,000 | 187,568,000 | 182,027,000 |
| Noninterest-bearing deposits | 39,852,000 | 41,912,000 | 38,519,000 | 38,697,000 |
| Equity capital | 21,119,000 | 21,069,000 | 22,097,000 | 23,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,537,000 | 5,070,000 | 7,617,000 | 10,243,000 |
| Interest expense | 225,000 | 435,000 | 640,000 | 842,000 |
| Net interest income | 2,312,000 | 4,635,000 | 6,977,000 | 9,401,000 |
| Noninterest income | 795,000 | 1,594,000 | 2,426,000 | 3,673,000 |
| Noninterest expense | 1,887,000 | 3,642,000 | 5,468,000 | 7,397,000 |
| Provision for loan losses | 0 | 7,000 | 28,000 | -208,000 |
| Pretax income | 1,269,000 | 2,629,000 | 3,956,000 | 5,934,000 |
| Income tax | 54,000 | 111,000 | 167,000 | 249,000 |
| Net income | 1,215,000 | 2,518,000 | 3,789,000 | 5,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,985,000 | 20,898,000 | 21,794,000 | 22,784,000 |
| Total capital | 23,426,000 | 23,427,000 | 24,297,000 | 25,348,000 |
| Risk-weighted assets | 197,140,000 | 199,806,000 | 200,729,000 | 205,727,000 |