Call reports 2005
COMMERCIAL BANK & TRUST COMPANY — 2005
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 441,180,000 | 433,784,000 | 440,254,000 | 470,677,000 |
| Total loans | 303,120,000 | 316,616,000 | 319,335,000 | 324,304,000 |
| Allowance for loan losses | 5,726,000 | 5,849,000 | 6,033,000 | 5,957,000 |
| Securities available for sale | 78,758,000 | 85,450,000 | 82,681,000 | 85,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,690,000 | 383,256,000 | 388,040,000 | 415,717,000 |
| Interest-bearing deposits | 336,911,000 | 324,379,000 | 328,192,000 | 349,585,000 |
| Noninterest-bearing deposits | 58,779,000 | 58,877,000 | 59,848,000 | 66,132,000 |
| Equity capital | 37,749,000 | 39,154,000 | 40,162,000 | 40,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,741,000 | 11,853,000 | 18,271,000 | 25,153,000 |
| Interest expense | 1,734,000 | 3,681,000 | 5,853,000 | 8,320,000 |
| Net interest income | 4,007,000 | 8,172,000 | 12,418,000 | 16,833,000 |
| Noninterest income | 1,147,000 | 2,396,000 | 3,767,000 | 4,942,000 |
| Noninterest expense | 3,023,000 | 6,114,000 | 9,319,000 | 12,663,000 |
| Provision for loan losses | 267,000 | 485,000 | 656,000 | 727,000 |
| Pretax income | 1,865,000 | 3,970,000 | 6,211,000 | 8,385,000 |
| Income tax | 118,000 | 258,000 | 404,000 | 548,000 |
| Net income | 1,747,000 | 3,712,000 | 5,807,000 | 7,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,309,000 | 34,574,000 | 35,869,000 | 36,999,000 |
| Total capital | 37,301,000 | 38,575,000 | 40,049,000 | 41,285,000 |
| Risk-weighted assets | 317,587,000 | 318,218,000 | 332,560,000 | 341,191,000 |
Machine access — free, no API key
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