Call reports 2007
CENTRAL BANK & TRUST COMPANY — 2007
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,380,474,000 | 1,417,801,000 | 1,413,870,000 | 1,476,025,000 |
| Total loans | 1,113,802,000 | 1,150,211,000 | 1,135,649,000 | 1,165,390,000 |
| Allowance for loan losses | 11,938,000 | 11,736,000 | 12,047,000 | 14,985,000 |
| Securities available for sale | 27,644,000 | 30,605,000 | 43,435,000 | 77,262,000 |
| Securities held to maturity | 95,172,000 | 83,186,000 | 78,522,000 | 74,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,164,331,000 | 1,159,749,000 | 1,157,423,000 | 1,154,482,000 |
| Interest-bearing deposits | 997,572,000 | 994,117,000 | 984,831,000 | 970,500,000 |
| Noninterest-bearing deposits | 166,759,000 | 165,632,000 | 172,592,000 | 183,982,000 |
| Equity capital | 122,589,000 | 127,726,000 | 129,460,000 | 125,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 22,134,000 | 45,029,000 | 68,892,000 | 92,249,000 |
| Interest expense | 9,946,000 | 20,376,000 | 31,237,000 | 41,357,000 |
| Net interest income | 12,188,000 | 24,653,000 | 37,655,000 | 50,892,000 |
| Noninterest income | 5,566,000 | 11,568,000 | 17,343,000 | 22,714,000 |
| Noninterest expense | 13,345,000 | 26,824,000 | 40,221,000 | 55,438,000 |
| Provision for loan losses | 398,000 | 1,111,000 | 1,603,000 | 6,812,000 |
| Pretax income | 4,011,000 | 8,286,000 | 13,174,000 | 11,356,000 |
| Income tax | 1,023,000 | 2,173,000 | 3,515,000 | 1,848,000 |
| Net income | 2,988,000 | 6,113,000 | 9,659,000 | 9,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,924,000 | 116,123,000 | 117,904,000 | 113,896,000 |
| Total capital | 122,862,000 | 127,859,000 | 129,951,000 | 128,881,000 |
| Risk-weighted assets | 1,224,843,000 | 1,263,662,000 | 1,235,905,000 | 1,259,104,000 |
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