Call reports 2016
CENTRAL BANK & TRUST COMPANY — 2016
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,054,600,000 | 2,094,931,000 | 2,098,124,000 | 2,134,899,000 |
| Total loans | 1,552,006,000 | 1,576,893,000 | 1,602,601,000 | 1,660,330,000 |
| Allowance for loan losses | 20,158,000 | 20,143,000 | 19,955,000 | 19,225,000 |
| Securities available for sale | 120,277,000 | 136,665,000 | 167,337,000 | 160,595,000 |
| Securities held to maturity | 119,403,000 | 125,797,000 | 108,850,000 | 106,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,696,319,000 | 1,739,106,000 | 1,738,386,000 | 1,772,249,000 |
| Interest-bearing deposits | 1,310,433,000 | 1,288,563,000 | 1,272,980,000 | 1,287,805,000 |
| Noninterest-bearing deposits | 385,886,000 | 450,543,000 | 465,406,000 | 484,444,000 |
| Equity capital | 216,343,000 | 220,326,000 | 224,286,000 | 225,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 18,827,000 | 37,690,000 | 57,096,000 | 76,723,000 |
| Interest expense | 978,000 | 1,942,000 | 2,889,000 | 3,831,000 |
| Net interest income | 17,849,000 | 35,748,000 | 54,207,000 | 72,892,000 |
| Noninterest income | 8,650,000 | 17,125,000 | 26,745,000 | 35,571,000 |
| Noninterest expense | 20,460,000 | 41,120,000 | 62,744,000 | 84,136,000 |
| Provision for loan losses | 0 | 497,000 | 1,197,000 | 4,464,000 |
| Pretax income | 6,039,000 | 11,256,000 | 17,011,000 | 19,863,000 |
| Income tax | 1,304,000 | 2,307,000 | 3,484,000 | 3,575,000 |
| Net income | 4,735,000 | 8,949,000 | 13,527,000 | 16,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 209,963,000 | 213,848,000 | 217,725,000 | 220,120,000 |
| Total capital | 230,121,000 | 233,991,000 | 237,680,000 | 239,345,000 |
| Risk-weighted assets | 1,675,520,000 | 1,675,965,000 | 1,720,933,000 | 1,821,605,000 |