Call reports 2008
COMMERCIAL BANK & TRUST COMPANY — 2008
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 573,538,000 | 581,402,000 | 579,648,000 | 575,821,000 |
| Total loans | 417,973,000 | 443,560,000 | 459,487,000 | 457,655,000 |
| Allowance for loan losses | 7,005,000 | 6,927,000 | 6,812,000 | 6,638,000 |
| Securities available for sale | 103,252,000 | 100,009,000 | 84,406,000 | 74,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,634,000 | 492,051,000 | 484,008,000 | 502,302,000 |
| Interest-bearing deposits | 427,008,000 | 417,198,000 | 413,548,000 | 426,377,000 |
| Noninterest-bearing deposits | 74,626,000 | 74,853,000 | 70,460,000 | 75,925,000 |
| Equity capital | 49,079,000 | 49,592,000 | 46,177,000 | 49,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,477,000 | 16,557,000 | 24,665,000 | 32,266,000 |
| Interest expense | 3,652,000 | 6,977,000 | 10,083,000 | 12,966,000 |
| Net interest income | 4,825,000 | 9,580,000 | 14,582,000 | 19,300,000 |
| Noninterest income | 1,155,000 | 2,392,000 | 3,451,000 | 4,557,000 |
| Noninterest expense | 4,188,000 | 8,202,000 | 12,145,000 | 16,091,000 |
| Provision for loan losses | 303,000 | 694,000 | 624,000 | 814,000 |
| Pretax income | 1,489,000 | 3,076,000 | 414,000 | 1,784,000 |
| Income tax | -5,000 | 46,000 | 103,000 | -248,000 |
| Net income | 1,494,000 | 3,030,000 | 311,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,202,000 | 45,082,000 | 41,791,000 | 44,360,000 |
| Total capital | 49,804,000 | 50,920,000 | 49,722,000 | 52,182,000 |
| Risk-weighted assets | 446,699,000 | 465,973,000 | 473,606,000 | 464,951,000 |
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