Call reports 2025
CENTRAL BANK & TRUST COMPANY — 2025
What CENTRAL BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,747,261,000 | 3,770,893,000 | 3,928,323,000 | 3,943,327,000 |
| Total loans | 2,871,363,000 | 2,860,699,000 | 2,872,141,000 | 2,921,680,000 |
| Allowance for loan losses | 29,513,000 | 28,913,000 | 28,578,000 | 29,475,000 |
| Securities available for sale | 467,028,000 | 447,963,000 | 430,858,000 | 476,287,000 |
| Securities held to maturity | 4,278,000 | 4,065,000 | 3,834,000 | 3,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,933,294,000 | 2,944,161,000 | 3,064,034,000 | 3,073,285,000 |
| Interest-bearing deposits | 1,873,298,000 | 1,865,505,000 | 1,967,503,000 | 1,998,442,000 |
| Noninterest-bearing deposits | 1,059,996,000 | 1,078,656,000 | 1,096,531,000 | 1,074,843,000 |
| Equity capital | 445,429,000 | 457,215,000 | 470,609,000 | 482,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 46,917,000 | 95,629,000 | 146,173,000 | 197,265,000 |
| Interest expense | 12,977,000 | 26,643,000 | 40,649,000 | 54,792,000 |
| Net interest income | 33,940,000 | 68,986,000 | 105,524,000 | 142,473,000 |
| Noninterest income | 11,685,000 | 23,006,000 | 34,225,000 | 46,169,000 |
| Noninterest expense | 32,683,000 | 64,617,000 | 97,483,000 | 132,393,000 |
| Provision for loan losses | 228,000 | -193,000 | -489,000 | 697,000 |
| Pretax income | 12,869,000 | 27,222,000 | 42,661,000 | 54,776,000 |
| Income tax | 2,445,000 | 5,242,000 | 8,335,000 | 10,639,000 |
| Net income | 10,424,000 | 21,980,000 | 34,326,000 | 44,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 444,575,000 | 455,430,000 | 467,076,000 | 476,188,000 |
| Total capital | 476,160,000 | 486,916,000 | 497,974,000 | 508,666,000 |
| Risk-weighted assets | 3,166,832,000 | 3,158,409,000 | 3,156,696,000 | 3,217,359,000 |