Call reports 2014
CENTRAL BANK & TRUST COMPANY — 2014
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,941,267,000 | 1,906,959,000 | 1,923,958,000 | 1,938,014,000 |
| Total loans | 1,487,795,000 | 1,502,421,000 | 1,531,902,000 | 1,514,780,000 |
| Allowance for loan losses | 22,051,000 | 22,696,000 | 22,575,000 | 21,804,000 |
| Securities available for sale | 150,198,000 | 121,108,000 | 116,048,000 | 110,624,000 |
| Securities held to maturity | 98,532,000 | 96,971,000 | 95,227,000 | 83,636,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,627,643,000 | 1,597,497,000 | 1,594,023,000 | 1,619,513,000 |
| Interest-bearing deposits | 1,251,582,000 | 1,218,218,000 | 1,181,077,000 | 1,190,253,000 |
| Noninterest-bearing deposits | 376,061,000 | 379,279,000 | 412,946,000 | 429,260,000 |
| Equity capital | 195,251,000 | 198,450,000 | 201,900,000 | 201,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 18,381,000 | 37,061,000 | 56,019,000 | 74,634,000 |
| Interest expense | 1,236,000 | 2,429,000 | 3,613,000 | 4,782,000 |
| Net interest income | 17,145,000 | 34,632,000 | 52,406,000 | 69,852,000 |
| Noninterest income | 7,279,000 | 14,445,000 | 20,882,000 | 28,384,000 |
| Noninterest expense | 18,808,000 | 37,641,000 | 56,542,000 | 76,313,000 |
| Provision for loan losses | 1,726,000 | 2,749,000 | 2,911,000 | 3,136,000 |
| Pretax income | 3,890,000 | 8,687,000 | 13,861,000 | 18,813,000 |
| Income tax | 334,000 | 988,000 | 1,760,000 | 2,346,000 |
| Net income | 3,556,000 | 7,699,000 | 12,101,000 | 16,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,892,000 | 183,055,000 | 186,478,000 | 189,536,000 |
| Total capital | 199,686,000 | 202,917,000 | 206,403,000 | 209,522,000 |
| Risk-weighted assets | 1,581,281,000 | 1,586,066,000 | 1,592,938,000 | 1,597,088,000 |