Call reports 2004
COMMERCIAL BANK & TRUST COMPANY — 2004
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 422,258,000 | 429,173,000 | 414,905,000 | 430,796,000 |
| Total loans | 290,702,000 | 301,279,000 | 303,811,000 | 304,841,000 |
| Allowance for loan losses | 5,114,000 | 5,402,000 | 5,312,000 | 5,476,000 |
| Securities available for sale | 84,874,000 | 90,378,000 | 82,754,000 | 82,733,000 |
| Securities held to maturity | 571,000 | 392,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,095,000 | 384,883,000 | 368,444,000 | 385,251,000 |
| Interest-bearing deposits | 326,170,000 | 327,399,000 | 315,688,000 | 323,537,000 |
| Noninterest-bearing deposits | 51,925,000 | 57,484,000 | 52,756,000 | 61,714,000 |
| Equity capital | 36,695,000 | 36,751,000 | 38,163,000 | 37,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,904,000 | 10,032,000 | 15,314,000 | 20,769,000 |
| Interest expense | 1,337,000 | 2,691,000 | 4,135,000 | 5,695,000 |
| Net interest income | 3,567,000 | 7,341,000 | 11,179,000 | 15,074,000 |
| Noninterest income | 919,000 | 2,073,000 | 3,240,000 | 4,343,000 |
| Noninterest expense | 2,750,000 | 5,675,000 | 8,641,000 | 11,717,000 |
| Provision for loan losses | 204,000 | 416,000 | 651,000 | 758,000 |
| Pretax income | 1,532,000 | 3,325,000 | 5,126,000 | 6,941,000 |
| Income tax | 100,000 | 217,000 | 334,000 | 455,000 |
| Net income | 1,432,000 | 3,108,000 | 4,792,000 | 6,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,618,000 | 31,884,000 | 32,668,000 | 32,362,000 |
| Total capital | 34,377,000 | 35,835,000 | 36,620,000 | 36,343,000 |
| Risk-weighted assets | 299,382,000 | 314,602,000 | 314,835,000 | 316,994,000 |
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