Call reports 2007
COMMERCIAL BANK & TRUST COMPANY — 2007
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 171,479,000 | 170,497,000 | 170,601,000 | 158,757,000 |
| Total loans | 97,778,000 | 100,349,000 | 100,830,000 | 97,245,000 |
| Allowance for loan losses | 1,117,000 | 1,141,000 | 1,783,000 | 1,754,000 |
| Securities available for sale | 58,150,000 | 58,931,000 | 59,264,000 | 48,663,000 |
| Securities held to maturity | 585,000 | 585,000 | 585,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,872,000 | 153,987,000 | 146,095,000 | 144,374,000 |
| Interest-bearing deposits | 135,833,000 | 134,019,000 | 126,261,000 | 126,519,000 |
| Noninterest-bearing deposits | 19,039,000 | 19,968,000 | 19,834,000 | 17,855,000 |
| Equity capital | 15,066,000 | 14,865,000 | 15,170,000 | 12,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,727,000 | 5,595,000 | 8,579,000 | 11,240,000 |
| Interest expense | 1,426,000 | 2,908,000 | 4,400,000 | 5,803,000 |
| Net interest income | 1,301,000 | 2,687,000 | 4,179,000 | 5,437,000 |
| Noninterest income | 223,000 | 435,000 | 668,000 | 971,000 |
| Noninterest expense | 1,037,000 | 2,118,000 | 3,179,000 | 4,448,000 |
| Provision for loan losses | 180,000 | 360,000 | 1,165,000 | 3,762,000 |
| Pretax income | 307,000 | 644,000 | 503,000 | -1,802,000 |
| Income tax | 88,000 | 185,000 | 108,000 | 25,000 |
| Net income | 219,000 | 459,000 | 395,000 | -1,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,556,000 | 15,633,000 | 15,388,000 | 12,898,000 |
| Total capital | 16,673,000 | 16,774,000 | 16,781,000 | 14,219,000 |
| Risk-weighted assets | 110,047,000 | 112,107,000 | 111,059,000 | 105,584,000 |
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