Call reports 2023
CENTRAL BANK & TRUST COMPANY — 2023
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,559,757,000 | 3,601,189,000 | 3,565,049,000 | 3,441,698,000 |
| Total loans | 2,410,885,000 | 2,505,654,000 | 2,598,188,000 | 2,687,747,000 |
| Allowance for loan losses | 28,545,000 | 28,885,000 | 29,505,000 | 30,012,000 |
| Securities available for sale | 881,744,000 | 874,995,000 | 749,392,000 | 527,340,000 |
| Securities held to maturity | 6,443,000 | 6,181,000 | 5,900,000 | 5,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,817,492,000 | 2,659,878,000 | 2,703,867,000 | 2,736,137,000 |
| Interest-bearing deposits | 1,622,220,000 | 1,532,678,000 | 1,582,510,000 | 1,655,870,000 |
| Noninterest-bearing deposits | 1,195,272,000 | 1,127,200,000 | 1,121,357,000 | 1,080,267,000 |
| Equity capital | 366,759,000 | 371,377,000 | 379,796,000 | 392,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 36,913,000 | 74,797,000 | 114,361,000 | 155,481,000 |
| Interest expense | 4,425,000 | 10,564,000 | 19,575,000 | 30,219,000 |
| Net interest income | 32,488,000 | 64,233,000 | 94,786,000 | 125,262,000 |
| Noninterest income | 11,046,000 | 21,765,000 | 32,679,000 | 43,778,000 |
| Noninterest expense | 30,275,000 | 60,321,000 | 90,098,000 | 119,891,000 |
| Provision for loan losses | 2,501,000 | 4,056,000 | 5,591,000 | 7,063,000 |
| Pretax income | 10,863,000 | 22,201,000 | 32,453,000 | 41,776,000 |
| Income tax | 2,005,000 | 4,118,000 | 5,961,000 | 7,558,000 |
| Net income | 8,858,000 | 18,083,000 | 26,492,000 | 34,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 378,017,000 | 386,541,000 | 394,252,000 | 401,277,000 |
| Total capital | 409,738,000 | 418,128,000 | 426,325,000 | 433,966,000 |
| Risk-weighted assets | 2,872,282,000 | 2,957,063,000 | 3,011,010,000 | 3,038,041,000 |