Call reports 2005
CENTRAL BANK & TRUST COMPANY — 2005
What CENTRAL BANK & 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 | 1,189,516,000 | 1,169,783,000 | 1,216,174,000 | 1,283,576,000 |
| Total loans | 916,583,000 | 936,709,000 | 967,177,000 | 965,113,000 |
| Allowance for loan losses | 13,009,000 | 13,674,000 | 13,183,000 | 12,578,000 |
| Securities available for sale | 26,383,000 | 28,229,000 | 41,415,000 | 77,365,000 |
| Securities held to maturity | 104,576,000 | 100,833,000 | 97,945,000 | 108,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 968,332,000 | 938,144,000 | 990,349,000 | 1,035,877,000 |
| Interest-bearing deposits | 787,417,000 | 777,514,000 | 822,560,000 | 864,381,000 |
| Noninterest-bearing deposits | 180,915,000 | 160,630,000 | 167,789,000 | 171,496,000 |
| Equity capital | 105,938,000 | 108,412,000 | 110,919,000 | 113,640,000 |
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 | 14,991,000 | 31,217,000 | 48,390,000 | 67,149,000 |
| Interest expense | 4,335,000 | 9,478,000 | 15,466,000 | 22,493,000 |
| Net interest income | 10,656,000 | 21,739,000 | 32,924,000 | 44,656,000 |
| Noninterest income | 4,468,000 | 10,137,000 | 15,652,000 | 20,773,000 |
| Noninterest expense | 9,534,000 | 19,507,000 | 29,547,000 | 39,728,000 |
| Provision for loan losses | 910,000 | 1,723,000 | 1,723,000 | 1,808,000 |
| Pretax income | 4,424,000 | 10,390,000 | 17,060,000 | 23,647,000 |
| Income tax | 1,383,000 | 3,315,000 | 5,491,000 | 7,582,000 |
| Net income | 3,041,000 | 7,075,000 | 11,569,000 | 16,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,867,000 | 96,393,000 | 99,030,000 | 101,931,000 |
| Total capital | 105,837,000 | 108,653,000 | 111,903,000 | 114,509,000 |
| Risk-weighted assets | 956,579,000 | 979,397,000 | 1,029,569,000 | 1,042,989,000 |
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