Call reports 2015
CENTRAL BANK & TRUST COMPANY — 2015
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,964,704,000 | 1,966,857,000 | 1,979,488,000 | 2,033,424,000 |
| Total loans | 1,482,573,000 | 1,482,544,000 | 1,513,089,000 | 1,558,741,000 |
| Allowance for loan losses | 21,710,000 | 21,303,000 | 20,311,000 | 20,441,000 |
| Securities available for sale | 106,177,000 | 110,269,000 | 115,307,000 | 110,522,000 |
| Securities held to maturity | 76,602,000 | 95,448,000 | 122,817,000 | 121,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,655,113,000 | 1,652,450,000 | 1,636,479,000 | 1,691,534,000 |
| Interest-bearing deposits | 1,240,554,000 | 1,238,275,000 | 1,222,057,000 | 1,248,551,000 |
| Noninterest-bearing deposits | 414,559,000 | 414,175,000 | 414,422,000 | 442,983,000 |
| Equity capital | 205,014,000 | 208,469,000 | 211,581,000 | 213,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 17,994,000 | 35,890,000 | 53,992,000 | 72,237,000 |
| Interest expense | 1,121,000 | 2,212,000 | 3,259,000 | 4,255,000 |
| Net interest income | 16,873,000 | 33,678,000 | 50,733,000 | 67,982,000 |
| Noninterest income | 7,435,000 | 15,446,000 | 23,973,000 | 32,440,000 |
| Noninterest expense | 19,063,000 | 38,576,000 | 58,593,000 | 79,491,000 |
| Provision for loan losses | 0 | 0 | 0 | 938,000 |
| Pretax income | 5,245,000 | 10,548,000 | 16,113,000 | 19,993,000 |
| Income tax | 818,000 | 1,710,000 | 2,707,000 | 3,039,000 |
| Net income | 4,427,000 | 8,838,000 | 13,406,000 | 16,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 195,822,000 | 199,243,000 | 204,712,000 | 206,918,000 |
| Total capital | 215,862,000 | 219,240,000 | 224,987,000 | 227,359,000 |
| Risk-weighted assets | 1,601,602,000 | 1,598,505,000 | 1,620,334,000 | 1,691,695,000 |