Call reports 2004
COMMERCIAL BANK & TRUST COMPANY — 2004
What COMMERCIAL BANK & TRUST COMPANY 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 | 158,759,000 | 161,372,000 | 165,788,000 | 166,394,000 |
| Total loans | 98,812,000 | 104,741,000 | 101,208,000 | 100,865,000 |
| Allowance for loan losses | 1,186,000 | 1,296,000 | 1,123,000 | 1,487,000 |
| Securities available for sale | 40,078,000 | 47,114,000 | 48,129,000 | 49,966,000 |
| Securities held to maturity | 864,000 | 865,000 | 860,000 | 860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,069,000 | 142,661,000 | 148,851,000 | 149,793,000 |
| Interest-bearing deposits | 124,682,000 | 125,139,000 | 130,734,000 | 130,793,000 |
| Noninterest-bearing deposits | 17,387,000 | 17,522,000 | 18,117,000 | 19,000,000 |
| Equity capital | 15,310,000 | 14,619,000 | 15,703,000 | 15,014,000 |
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 | 2,290,000 | 4,665,000 | 7,069,000 | 9,439,000 |
| Interest expense | 806,000 | 1,606,000 | 2,410,000 | 3,233,000 |
| Net interest income | 1,484,000 | 3,059,000 | 4,659,000 | 6,206,000 |
| Noninterest income | 189,000 | 337,000 | 489,000 | 656,000 |
| Noninterest expense | 1,002,000 | 1,977,000 | 2,918,000 | 4,594,000 |
| Provision for loan losses | 130,000 | 280,000 | 430,000 | 980,000 |
| Pretax income | 541,000 | 1,139,000 | 1,800,000 | 1,288,000 |
| Income tax | 170,000 | 370,000 | 587,000 | 404,000 |
| Net income | 371,000 | 769,000 | 1,213,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,071,000 | 15,343,000 | 15,661,000 | 15,079,000 |
| Total capital | 16,257,000 | 16,639,000 | 16,784,000 | 16,463,000 |
| Risk-weighted assets | 106,794,000 | 113,179,000 | 110,011,000 | 110,640,000 |
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