Call reports 2009
COMMERCIAL BANK & TRUST COMPANY — 2009
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 151,811,000 | 149,633,000 | 151,413,000 | 147,992,000 |
| Total loans | 94,431,000 | 97,419,000 | 96,680,000 | 98,315,000 |
| Allowance for loan losses | 1,865,000 | 1,888,000 | 1,859,000 | 1,918,000 |
| Securities available for sale | 41,362,000 | 38,849,000 | 40,233,000 | 39,543,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,312,000 | 134,822,000 | 135,957,000 | 133,243,000 |
| Interest-bearing deposits | 115,913,000 | 114,145,000 | 111,559,000 | 114,021,000 |
| Noninterest-bearing deposits | 20,399,000 | 20,677,000 | 24,398,000 | 19,222,000 |
| Equity capital | 14,374,000 | 13,715,000 | 14,449,000 | 14,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,347,000 | 4,610,000 | 6,746,000 | 8,913,000 |
| Interest expense | 711,000 | 1,374,000 | 1,991,000 | 2,571,000 |
| Net interest income | 1,636,000 | 3,236,000 | 4,755,000 | 6,342,000 |
| Noninterest income | 226,000 | 469,000 | 698,000 | 961,000 |
| Noninterest expense | 1,103,000 | 2,250,000 | 3,428,000 | 4,628,000 |
| Provision for loan losses | 275,000 | 500,000 | 675,000 | 825,000 |
| Pretax income | 484,000 | 955,000 | 1,350,000 | 1,850,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 484,000 | 955,000 | 1,350,000 | 1,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,132,000 | 14,263,000 | 14,318,000 | 14,118,000 |
| Total capital | 15,369,000 | 15,531,000 | 15,573,000 | 15,385,000 |
| Risk-weighted assets | 98,352,000 | 100,805,000 | 100,095,000 | 100,752,000 |
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