Call reports 2008
CENTRAL BANK & TRUST COMPANY — 2008
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,419,655,000 | 1,447,927,000 | 1,422,576,000 | 1,518,475,000 |
| Total loans | 1,169,997,000 | 1,175,594,000 | 1,187,253,000 | 1,227,417,000 |
| Allowance for loan losses | 14,828,000 | 14,932,000 | 15,309,000 | 16,036,000 |
| Securities available for sale | 44,318,000 | 60,237,000 | 67,717,000 | 83,186,000 |
| Securities held to maturity | 64,309,000 | 53,101,000 | 45,228,000 | 48,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,135,259,000 | 1,130,591,000 | 1,154,185,000 | 1,198,294,000 |
| Interest-bearing deposits | 965,970,000 | 940,270,000 | 972,130,000 | 1,002,680,000 |
| Noninterest-bearing deposits | 169,289,000 | 190,321,000 | 182,055,000 | 195,614,000 |
| Equity capital | 126,748,000 | 127,709,000 | 128,497,000 | 121,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 21,263,000 | 41,063,000 | 60,346,000 | 79,309,000 |
| Interest expense | 8,109,000 | 14,590,000 | 21,152,000 | 27,341,000 |
| Net interest income | 13,154,000 | 26,473,000 | 39,194,000 | 51,968,000 |
| Noninterest income | 7,079,000 | 13,268,000 | 19,159,000 | 24,769,000 |
| Noninterest expense | 14,489,000 | 29,131,000 | 44,309,000 | 59,559,000 |
| Provision for loan losses | 978,000 | 2,078,000 | 3,254,000 | 6,082,000 |
| Pretax income | 4,766,000 | 8,532,000 | 10,790,000 | 11,096,000 |
| Income tax | 1,106,000 | 1,889,000 | 2,128,000 | 620,000 |
| Net income | 3,660,000 | 6,643,000 | 8,662,000 | 10,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,665,000 | 116,757,000 | 117,664,000 | 117,197,000 |
| Total capital | 130,493,000 | 131,689,000 | 132,973,000 | 133,233,000 |
| Risk-weighted assets | 1,249,774,000 | 1,259,669,000 | 1,268,329,000 | 1,315,606,000 |
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