Call reports 2004
CENTRAL BANK & TRUST — 2004
What CENTRAL BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,198,000 | 53,409,000 | 57,849,000 | 57,551,000 |
| Total loans | 40,197,000 | 38,651,000 | 39,332,000 | 38,574,000 |
| Allowance for loan losses | 871,000 | 832,000 | 818,000 | 816,000 |
| Securities available for sale | 8,222,000 | 7,849,000 | 7,812,000 | 8,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,395,000 | 42,552,000 | 46,611,000 | 46,161,000 |
| Interest-bearing deposits | 41,173,000 | 37,636,000 | 41,342,000 | 40,692,000 |
| Noninterest-bearing deposits | 5,222,000 | 4,916,000 | 5,269,000 | 5,469,000 |
| Equity capital | 4,618,000 | 4,661,000 | 4,990,000 | 5,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,527,000 | 2,296,000 | 3,084,000 |
| Interest expense | 216,000 | 422,000 | 636,000 | 854,000 |
| Net interest income | 569,000 | 1,105,000 | 1,660,000 | 2,230,000 |
| Noninterest income | 220,000 | 415,000 | 700,000 | 874,000 |
| Noninterest expense | 477,000 | 913,000 | 1,359,000 | 1,799,000 |
| Provision for loan losses | 151,000 | 218,000 | 218,000 | 268,000 |
| Pretax income | 161,000 | 389,000 | 783,000 | 1,037,000 |
| Income tax | 53,000 | 129,000 | 262,000 | 330,000 |
| Net income | 108,000 | 260,000 | 521,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,564,000 | 4,716,000 | 4,977,000 | 5,163,000 |
| Total capital | 5,079,000 | 5,211,000 | 5,485,000 | 5,656,000 |
| Risk-weighted assets | 40,834,000 | 39,247,000 | 40,373,000 | 39,226,000 |
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