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 | 508,859,000 | 514,761,000 | 526,667,000 | 540,410,000 |
| Total loans | 346,357,000 | 361,784,000 | 382,869,000 | 401,007,000 |
| Allowance for loan losses | 6,329,000 | 6,587,000 | 6,710,000 | 6,699,000 |
| Securities available for sale | 97,228,000 | 110,678,000 | 105,507,000 | 99,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,566,000 | 455,930,000 | 457,762,000 | 470,437,000 |
| Interest-bearing deposits | 386,626,000 | 389,050,000 | 393,056,000 | 399,013,000 |
| Noninterest-bearing deposits | 63,940,000 | 66,880,000 | 64,706,000 | 71,424,000 |
| Equity capital | 45,818,000 | 46,073,000 | 46,852,000 | 47,919,000 |
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 | 8,332,000 | 16,833,000 | 25,491,000 | 34,137,000 |
| Interest expense | 3,683,000 | 7,578,000 | 11,563,000 | 15,508,000 |
| Net interest income | 4,649,000 | 9,255,000 | 13,928,000 | 18,629,000 |
| Noninterest income | 1,089,000 | 2,317,000 | 3,447,000 | 4,627,000 |
| Noninterest expense | 4,018,000 | 8,015,000 | 12,118,000 | 16,115,000 |
| Provision for loan losses | 271,000 | 550,000 | 830,000 | 952,000 |
| Pretax income | 1,449,000 | 3,007,000 | 4,427,000 | 6,189,000 |
| Income tax | 94,000 | 195,000 | 287,000 | 147,000 |
| Net income | 1,355,000 | 2,812,000 | 4,140,000 | 6,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,681,000 | 42,139,000 | 42,617,000 | 43,368,000 |
| Total capital | 46,356,000 | 46,961,000 | 47,649,000 | 48,696,000 |
| Risk-weighted assets | 372,322,000 | 384,002,000 | 400,897,000 | 424,538,000 |
Machine access — free, no API key
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