Call reports 2015
CENTRAL BANK AND TRUST CO. — 2015
What CENTRAL BANK AND TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 260,070,000 | 264,981,000 | 279,016,000 | 292,902,000 |
| Total loans | 194,256,000 | 200,101,000 | 208,548,000 | 222,092,000 |
| Allowance for loan losses | 4,684,000 | 4,423,000 | 4,420,000 | 4,410,000 |
| Securities available for sale | 44,744,000 | 43,364,000 | 44,080,000 | 43,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,832,000 | 215,863,000 | 249,935,000 | 261,835,000 |
| Interest-bearing deposits | 183,198,000 | 172,225,000 | 207,422,000 | 220,098,000 |
| Noninterest-bearing deposits | 42,634,000 | 43,638,000 | 42,513,000 | 41,737,000 |
| Equity capital | 23,089,000 | 23,812,000 | 24,016,000 | 26,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,574,000 | 5,206,000 | 7,928,000 | 10,808,000 |
| Interest expense | 195,000 | 391,000 | 578,000 | 772,000 |
| Net interest income | 2,379,000 | 4,815,000 | 7,350,000 | 10,036,000 |
| Noninterest income | 793,000 | 1,595,000 | 2,379,000 | 3,104,000 |
| Noninterest expense | 1,761,000 | 3,546,000 | 5,408,000 | 7,300,000 |
| Provision for loan losses | -244,000 | -493,000 | -491,000 | -486,000 |
| Pretax income | 1,658,000 | 3,360,000 | 4,814,000 | 6,333,000 |
| Income tax | 68,000 | 139,000 | 198,000 | 261,000 |
| Net income | 1,590,000 | 3,221,000 | 4,616,000 | 6,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,733,000 | 23,697,000 | 23,759,000 | 26,526,000 |
| Total capital | 25,351,000 | 26,420,000 | 26,706,000 | 29,590,000 |
| Risk-weighted assets | 207,451,000 | 216,109,000 | 234,281,000 | 243,814,000 |