Call reports 2003
COMMERCIAL BANK & TRUST COMPANY — 2003
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 379,275,000 | 378,713,000 | 398,283,000 | 409,293,000 |
| Total loans | 271,585,000 | 279,819,000 | 289,160,000 | 286,344,000 |
| Allowance for loan losses | 4,719,000 | 4,781,000 | 5,091,000 | 5,283,000 |
| Securities available for sale | 68,552,000 | 70,401,000 | 70,396,000 | 75,825,000 |
| Securities held to maturity | 2,023,000 | 1,832,000 | 843,000 | 808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,678,000 | 337,737,000 | 354,335,000 | 365,796,000 |
| Interest-bearing deposits | 298,060,000 | 291,621,000 | 305,873,000 | 309,315,000 |
| Noninterest-bearing deposits | 43,618,000 | 46,116,000 | 48,462,000 | 56,481,000 |
| Equity capital | 35,336,000 | 35,644,000 | 35,972,000 | 35,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,948,000 | 9,893,000 | 14,837,000 | 19,742,000 |
| Interest expense | 1,571,000 | 3,027,000 | 4,430,000 | 5,811,000 |
| Net interest income | 3,377,000 | 6,866,000 | 10,407,000 | 13,931,000 |
| Noninterest income | 1,088,000 | 2,145,000 | 3,258,000 | 4,207,000 |
| Noninterest expense | 2,845,000 | 5,627,000 | 8,430,000 | 11,347,000 |
| Provision for loan losses | -48,000 | 98,000 | 330,000 | 521,000 |
| Pretax income | 1,668,000 | 3,287,000 | 4,932,000 | 6,297,000 |
| Income tax | 111,000 | 214,000 | 321,000 | 413,000 |
| Net income | 1,557,000 | 3,073,000 | 4,611,000 | 5,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,359,000 | 29,075,000 | 29,913,000 | 29,886,000 |
| Total capital | 32,822,000 | 32,633,000 | 33,593,000 | 33,576,000 |
| Risk-weighted assets | 275,793,000 | 283,383,000 | 293,001,000 | 293,575,000 |
Machine access — free, no API key
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