Call reports 2004
CENTRAL BANK AND TRUST — 2004
What CENTRAL BANK AND 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 | 64,960,000 | 66,976,000 | 70,727,000 | 69,213,000 |
| Total loans | 39,966,000 | 41,791,000 | 42,019,000 | 42,236,000 |
| Allowance for loan losses | 360,000 | 376,000 | 358,000 | 346,000 |
| Securities available for sale | 19,982,000 | 19,527,000 | 21,601,000 | 21,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,238,000 | 60,749,000 | 64,283,000 | 62,679,000 |
| Interest-bearing deposits | 47,682,000 | 49,227,000 | 48,828,000 | 51,002,000 |
| Noninterest-bearing deposits | 11,556,000 | 11,522,000 | 15,455,000 | 11,677,000 |
| Equity capital | 4,832,000 | 4,861,000 | 4,854,000 | 4,990,000 |
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 | 780,000 | 1,595,000 | 2,457,000 | 3,459,000 |
| Interest expense | 136,000 | 272,000 | 416,000 | 570,000 |
| Net interest income | 644,000 | 1,323,000 | 2,041,000 | 2,889,000 |
| Noninterest income | 131,000 | 277,000 | 418,000 | 553,000 |
| Noninterest expense | 446,000 | 882,000 | 1,389,000 | 1,843,000 |
| Provision for loan losses | 80,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 249,000 | 618,000 | 970,000 | 1,499,000 |
| Income tax | -6,000 | -6,000 | -6,000 | -6,000 |
| Net income | 255,000 | 624,000 | 976,000 | 1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,609,000 | 4,792,000 | 4,706,000 | 4,936,000 |
| Total capital | 4,969,000 | 5,168,000 | 5,064,000 | 5,282,000 |
| Risk-weighted assets | 35,623,000 | 36,801,000 | 37,237,000 | 36,968,000 |