Call reports 2003
CENTRAL BANK & TRUST — 2003
What CENTRAL BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,375,000 | 57,828,000 | 57,362,000 | 56,757,000 |
| Total loans | 41,923,000 | 44,356,000 | 45,281,000 | 44,211,000 |
| Allowance for loan losses | 1,008,000 | 947,000 | 795,000 | 741,000 |
| Securities available for sale | 8,617,000 | 9,011,000 | 8,692,000 | 8,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,984,000 | 46,573,000 | 43,816,000 | 45,101,000 |
| Interest-bearing deposits | 44,074,000 | 40,732,000 | 38,831,000 | 40,469,000 |
| Noninterest-bearing deposits | 4,910,000 | 5,841,000 | 4,985,000 | 4,632,000 |
| Equity capital | 4,097,000 | 4,164,000 | 4,289,000 | 4,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,678,000 | 2,552,000 | 3,363,000 |
| Interest expense | 315,000 | 610,000 | 867,000 | 1,102,000 |
| Net interest income | 529,000 | 1,068,000 | 1,685,000 | 2,261,000 |
| Noninterest income | 216,000 | 442,000 | 667,000 | 883,000 |
| Noninterest expense | 473,000 | 855,000 | 1,293,000 | 1,684,000 |
| Provision for loan losses | 205,000 | 485,000 | 690,000 | 795,000 |
| Pretax income | 67,000 | 171,000 | 370,000 | 667,000 |
| Income tax | 20,000 | 53,000 | 100,000 | 184,000 |
| Net income | 47,000 | 118,000 | 270,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,020,000 | 4,091,000 | 4,243,000 | 4,456,000 |
| Total capital | 4,556,000 | 4,646,000 | 4,806,000 | 5,012,000 |
| Risk-weighted assets | 42,411,000 | 44,001,000 | 44,870,000 | 44,191,000 |