Call reports 2004
CENTRAL BANK & TRUST COMPANY — 2004
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,089,732,000 | 1,113,502,000 | 1,119,049,000 | 1,172,397,000 |
| Total loans | 876,630,000 | 893,203,000 | 895,108,000 | 912,237,000 |
| Allowance for loan losses | 11,820,000 | 12,458,000 | 12,903,000 | 12,621,000 |
| Securities available for sale | 32,002,000 | 31,226,000 | 40,466,000 | 54,743,000 |
| Securities held to maturity | 103,920,000 | 110,945,000 | 99,046,000 | 98,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 893,711,000 | 917,464,000 | 925,970,000 | 936,633,000 |
| Interest-bearing deposits | 741,518,000 | 764,599,000 | 753,687,000 | 767,259,000 |
| Noninterest-bearing deposits | 152,193,000 | 152,865,000 | 172,283,000 | 169,374,000 |
| Equity capital | 98,045,000 | 99,765,000 | 101,745,000 | 104,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,965,000 | 26,160,000 | 39,757,000 | 54,120,000 |
| Interest expense | 3,068,000 | 6,089,000 | 9,229,000 | 12,976,000 |
| Net interest income | 9,897,000 | 20,071,000 | 30,528,000 | 41,144,000 |
| Noninterest income | 4,657,000 | 9,874,000 | 14,993,000 | 19,768,000 |
| Noninterest expense | 9,057,000 | 18,305,000 | 27,558,000 | 37,255,000 |
| Provision for loan losses | 981,000 | 2,011,000 | 2,992,000 | 3,304,000 |
| Pretax income | 4,516,000 | 9,629,000 | 14,971,000 | 20,353,000 |
| Income tax | 1,408,000 | 3,046,000 | 4,763,000 | 6,365,000 |
| Net income | 3,108,000 | 6,583,000 | 10,208,000 | 13,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,535,000 | 89,447,000 | 91,507,000 | 93,983,000 |
| Total capital | 99,178,000 | 101,226,000 | 103,281,000 | 106,030,000 |
| Risk-weighted assets | 931,267,000 | 941,673,000 | 940,804,000 | 963,206,000 |
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