Call reports 2010
COMMERCIAL BANK & TRUST COMPANY — 2010
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 614,257,000 | 608,241,000 | 622,607,000 | 630,017,000 |
| Total loans | 431,900,000 | 435,356,000 | 436,636,000 | 431,851,000 |
| Allowance for loan losses | 7,221,000 | 7,592,000 | 7,953,000 | 7,546,000 |
| Securities available for sale | 91,390,000 | 89,825,000 | 100,493,000 | 126,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,238,000 | 531,705,000 | 544,070,000 | 550,289,000 |
| Interest-bearing deposits | 457,358,000 | 447,945,000 | 459,359,000 | 456,827,000 |
| Noninterest-bearing deposits | 82,880,000 | 83,760,000 | 84,711,000 | 93,462,000 |
| Equity capital | 55,194,000 | 57,247,000 | 59,054,000 | 60,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,846,000 | 13,772,000 | 20,819,000 | 27,711,000 |
| Interest expense | 1,798,000 | 3,565,000 | 5,298,000 | 6,926,000 |
| Net interest income | 5,048,000 | 10,207,000 | 15,521,000 | 20,785,000 |
| Noninterest income | 1,472,000 | 3,188,000 | 4,994,000 | 6,522,000 |
| Noninterest expense | 4,243,000 | 8,614,000 | 13,068,000 | 17,659,000 |
| Provision for loan losses | 428,000 | 851,000 | 1,349,000 | 1,420,000 |
| Pretax income | 1,849,000 | 3,930,000 | 6,098,000 | 8,228,000 |
| Income tax | 79,000 | 173,000 | 271,000 | 371,000 |
| Net income | 1,770,000 | 3,757,000 | 5,827,000 | 7,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,534,000 | 52,371,000 | 54,441,000 | 55,902,000 |
| Total capital | 58,180,000 | 60,024,000 | 62,186,000 | 63,667,000 |
| Risk-weighted assets | 450,092,000 | 450,332,000 | 457,356,000 | 459,457,000 |