Call reports 2003
CENTRAL BANK AND TRUST — 2003
What CENTRAL BANK AND 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 | 62,836,000 | 66,173,000 | 66,127,000 | 66,648,000 |
| Total loans | 33,564,000 | 39,992,000 | 40,518,000 | 39,001,000 |
| Allowance for loan losses | 287,000 | 317,000 | 329,000 | 327,000 |
| Securities available for sale | 24,470,000 | 21,057,000 | 20,465,000 | 20,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,716,000 | 60,220,000 | 59,573,000 | 61,013,000 |
| Interest-bearing deposits | 47,977,000 | 49,846,000 | 48,307,000 | 48,473,000 |
| Noninterest-bearing deposits | 8,739,000 | 10,374,000 | 11,266,000 | 12,540,000 |
| Equity capital | 4,572,000 | 4,770,000 | 4,640,000 | 4,684,000 |
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 | 782,000 | 1,653,000 | 2,507,000 | 3,293,000 |
| Interest expense | 183,000 | 354,000 | 519,000 | 671,000 |
| Net interest income | 599,000 | 1,299,000 | 1,988,000 | 2,622,000 |
| Noninterest income | 113,000 | 228,000 | 352,000 | 607,000 |
| Noninterest expense | 416,000 | 870,000 | 1,309,000 | 1,824,000 |
| Provision for loan losses | 80,000 | 110,000 | 130,000 | 130,000 |
| Pretax income | 216,000 | 544,000 | 898,000 | 1,272,000 |
| Income tax | -30,000 | -30,000 | -30,000 | -30,000 |
| Net income | 246,000 | 574,000 | 928,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,325,000 | 4,484,000 | 4,393,000 | 4,467,000 |
| Total capital | 4,612,000 | 4,801,000 | 4,722,000 | 4,794,000 |
| Risk-weighted assets | 32,665,000 | 36,354,000 | 35,300,000 | 33,710,000 |