Call reports 2005
COMMERCIAL BANK & TRUST COMPANY — 2005
What COMMERCIAL BANK & TRUST COMPANY 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 | 166,374,000 | 164,461,000 | 163,528,000 | 164,483,000 |
| Total loans | 101,312,000 | 101,833,000 | 100,463,000 | 98,139,000 |
| Allowance for loan losses | 1,233,000 | 1,317,000 | 1,429,000 | 1,399,000 |
| Securities available for sale | 49,128,000 | 49,896,000 | 49,968,000 | 50,531,000 |
| Securities held to maturity | 855,000 | 855,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,957,000 | 147,180,000 | 146,173,000 | 148,432,000 |
| Interest-bearing deposits | 130,420,000 | 128,508,000 | 125,550,000 | 126,979,000 |
| Noninterest-bearing deposits | 19,537,000 | 18,672,000 | 20,623,000 | 21,453,000 |
| Equity capital | 14,809,000 | 15,637,000 | 15,692,000 | 14,291,000 |
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 | 2,444,000 | 4,996,000 | 7,529,000 | 10,110,000 |
| Interest expense | 821,000 | 1,672,000 | 2,552,000 | 3,482,000 |
| Net interest income | 1,623,000 | 3,324,000 | 4,977,000 | 6,628,000 |
| Noninterest income | 181,000 | 346,000 | 586,000 | 814,000 |
| Noninterest expense | 1,149,000 | 2,220,000 | 3,269,000 | 4,540,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 505,000 | 1,150,000 | 1,844,000 | 2,402,000 |
| Income tax | 157,000 | 355,000 | 588,000 | 750,000 |
| Net income | 348,000 | 795,000 | 1,256,000 | 1,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,427,000 | 15,748,000 | 16,084,000 | 15,079,000 |
| Total capital | 16,660,000 | 17,065,000 | 17,456,000 | 16,432,000 |
| Risk-weighted assets | 110,283,000 | 110,390,000 | 109,680,000 | 108,232,000 |
Machine access — free, no API key
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