Call reports 2009
COMMERCIAL BANK & TRUST COMPANY — 2009
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 588,289,000 | 605,939,000 | 594,893,000 | 609,493,000 |
| Total loans | 454,144,000 | 451,121,000 | 450,374,000 | 439,150,000 |
| Allowance for loan losses | 6,889,000 | 7,092,000 | 7,098,000 | 6,799,000 |
| Securities available for sale | 85,044,000 | 97,274,000 | 91,172,000 | 83,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,055,000 | 529,873,000 | 517,160,000 | 531,748,000 |
| Interest-bearing deposits | 443,016,000 | 453,053,000 | 439,550,000 | 446,171,000 |
| Noninterest-bearing deposits | 71,039,000 | 76,820,000 | 77,610,000 | 85,577,000 |
| Equity capital | 50,494,000 | 51,497,000 | 53,287,000 | 53,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,045,000 | 13,925,000 | 20,989,000 | 28,029,000 |
| Interest expense | 2,466,000 | 4,856,000 | 7,077,000 | 9,108,000 |
| Net interest income | 4,579,000 | 9,069,000 | 13,912,000 | 18,921,000 |
| Noninterest income | 1,326,000 | 2,848,000 | 4,303,000 | 5,679,000 |
| Noninterest expense | 3,931,000 | 8,191,000 | 12,331,000 | 16,830,000 |
| Provision for loan losses | 469,000 | 967,000 | 1,317,000 | 2,527,000 |
| Pretax income | 1,505,000 | 2,759,000 | 4,567,000 | 5,243,000 |
| Income tax | 4,000 | 25,000 | 169,000 | 119,000 |
| Net income | 1,501,000 | 2,734,000 | 4,398,000 | 5,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,741,000 | 46,974,000 | 48,438,000 | 48,929,000 |
| Total capital | 53,613,000 | 54,883,000 | 56,343,000 | 56,699,000 |
| Risk-weighted assets | 468,727,000 | 471,517,000 | 471,240,000 | 460,581,000 |
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