Call reports 2006
COMMERCIAL BANK & TRUST COMPANY — 2006
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 165,233,000 | 163,174,000 | 166,670,000 | 169,738,000 |
| Total loans | 100,424,000 | 99,600,000 | 96,638,000 | 96,284,000 |
| Allowance for loan losses | 1,385,000 | 1,319,000 | 1,143,000 | 1,134,000 |
| Securities available for sale | 51,399,000 | 51,219,000 | 52,730,000 | 56,917,000 |
| Securities held to maturity | 590,000 | 590,000 | 585,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,693,000 | 146,877,000 | 150,342,000 | 153,372,000 |
| Interest-bearing deposits | 128,476,000 | 126,986,000 | 132,167,000 | 135,245,000 |
| Noninterest-bearing deposits | 20,217,000 | 19,891,000 | 18,175,000 | 18,127,000 |
| Equity capital | 14,616,000 | 14,095,000 | 14,846,000 | 14,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,169,000 | 7,853,000 | 10,598,000 |
| Interest expense | 995,000 | 2,079,000 | 3,297,000 | 4,678,000 |
| Net interest income | 1,585,000 | 3,090,000 | 4,556,000 | 5,920,000 |
| Noninterest income | 265,000 | 481,000 | 733,000 | 975,000 |
| Noninterest expense | 1,239,000 | 2,595,000 | 3,796,000 | 5,087,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 611,000 | 971,000 | 1,343,000 | 1,508,000 |
| Income tax | 185,000 | 300,000 | 405,000 | 480,000 |
| Net income | 426,000 | 671,000 | 938,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,505,000 | 15,432,000 | 15,516,000 | 15,405,000 |
| Total capital | 16,884,000 | 16,751,000 | 16,659,000 | 16,539,000 |
| Risk-weighted assets | 110,349,000 | 109,249,000 | 107,383,000 | 107,676,000 |
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