Call reports 2005
CITY BANK AND TRUST COMPANY — 2005
What CITY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 131,111,000 | 125,902,000 | 126,858,000 | 135,490,000 |
| Total loans | 52,734,000 | 52,569,000 | 50,940,000 | 51,967,000 |
| Allowance for loan losses | 556,000 | 575,000 | 727,000 | 646,000 |
| Securities available for sale | 51,887,000 | 54,256,000 | 50,945,000 | 60,844,000 |
| Securities held to maturity | 3,396,000 | 3,114,000 | 2,781,000 | 2,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,127,000 | 110,656,000 | 111,628,000 | 120,321,000 |
| Interest-bearing deposits | 95,183,000 | 91,535,000 | 89,425,000 | 93,424,000 |
| Noninterest-bearing deposits | 20,944,000 | 19,121,000 | 22,203,000 | 26,897,000 |
| Equity capital | 13,118,000 | 13,326,000 | 13,267,000 | 13,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,302,000 | 5,385,000 | 7,151,000 |
| Interest expense | 326,000 | 685,000 | 1,078,000 | 1,525,000 |
| Net interest income | 1,287,000 | 2,617,000 | 4,307,000 | 5,626,000 |
| Noninterest income | 323,000 | 565,000 | 778,000 | 3,825,000 |
| Noninterest expense | 1,011,000 | 1,955,000 | 2,978,000 | 5,086,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 500,000 |
| Pretax income | 524,000 | 1,077,000 | 1,882,000 | 3,865,000 |
| Income tax | 1,000 | 7,000 | 26,000 | 45,000 |
| Net income | 523,000 | 1,070,000 | 1,856,000 | 3,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,566,000 | 13,373,000 | 13,619,000 | 14,238,000 |
| Total capital | 14,122,000 | 13,948,000 | 14,346,000 | 14,884,000 |
| Risk-weighted assets | 67,678,000 | 66,475,000 | 65,671,000 | 67,331,000 |
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