Call reports 2016
CENTRAL BANK AND TRUST CO. — 2016
What CENTRAL BANK AND TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 291,624,000 | 282,257,000 | 281,828,000 | 278,685,000 |
| Total loans | 215,140,000 | 214,085,000 | 215,788,000 | 218,738,000 |
| Allowance for loan losses | 4,417,000 | 4,412,000 | 4,412,000 | 4,152,000 |
| Securities available for sale | 43,442,000 | 45,193,000 | 44,005,000 | 43,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,455,000 | 250,769,000 | 250,419,000 | 248,567,000 |
| Interest-bearing deposits | 215,996,000 | 207,505,000 | 206,968,000 | 207,277,000 |
| Noninterest-bearing deposits | 43,459,000 | 43,264,000 | 43,451,000 | 41,290,000 |
| Equity capital | 27,560,000 | 28,473,000 | 28,220,000 | 27,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,804,000 | 5,619,000 | 8,442,000 | 11,214,000 |
| Interest expense | 213,000 | 425,000 | 634,000 | 863,000 |
| Net interest income | 2,591,000 | 5,194,000 | 7,808,000 | 10,351,000 |
| Noninterest income | 928,000 | 1,681,000 | 2,503,000 | 3,299,000 |
| Noninterest expense | 1,876,000 | 3,852,000 | 5,795,000 | 7,781,000 |
| Provision for loan losses | 7,000 | 12,000 | 19,000 | -232,000 |
| Pretax income | 1,636,000 | 3,017,000 | 4,503,000 | 6,107,000 |
| Income tax | 67,000 | 124,000 | 185,000 | 252,000 |
| Net income | 1,569,000 | 2,893,000 | 4,318,000 | 5,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,144,000 | 27,937,000 | 27,789,000 | 27,559,000 |
| Total capital | 30,177,000 | 30,921,000 | 30,839,000 | 30,617,000 |
| Risk-weighted assets | 241,276,000 | 237,266,000 | 242,651,000 | 243,546,000 |