Call reports 2005
CENTRAL BANK AND TRUST — 2005
What CENTRAL BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,828,000 | 72,989,000 | 73,375,000 | 77,704,000 |
| Total loans | 42,825,000 | 45,155,000 | 46,733,000 | 50,424,000 |
| Allowance for loan losses | 303,000 | 320,000 | 359,000 | 366,000 |
| Securities available for sale | 21,125,000 | 20,872,000 | 20,834,000 | 20,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,849,000 | 66,701,000 | 67,110,000 | 71,196,000 |
| Interest-bearing deposits | 50,145,000 | 54,502,000 | 53,208,000 | 56,208,000 |
| Noninterest-bearing deposits | 10,704,000 | 12,199,000 | 13,902,000 | 14,988,000 |
| Equity capital | 5,075,000 | 5,055,000 | 5,044,000 | 5,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,832,000 | 2,893,000 | 4,010,000 |
| Interest expense | 174,000 | 390,000 | 672,000 | 1,004,000 |
| Net interest income | 712,000 | 1,442,000 | 2,221,000 | 3,006,000 |
| Noninterest income | 131,000 | 268,000 | 395,000 | 520,000 |
| Noninterest expense | 477,000 | 952,000 | 1,443,000 | 2,039,000 |
| Provision for loan losses | 0 | 55,000 | 115,000 | 125,000 |
| Pretax income | 366,000 | 703,000 | 1,058,000 | 1,362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 703,000 | 1,058,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,103,000 | 5,043,000 | 5,060,000 | 5,164,000 |
| Total capital | 5,406,000 | 5,363,000 | 5,419,000 | 5,530,000 |
| Risk-weighted assets | 37,333,000 | 39,838,000 | 41,462,000 | 44,913,000 |