Call reports 2011
COMMERCIAL BANK & TRUST COMPANY — 2011
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 621,259,000 | 628,605,000 | 619,641,000 | 642,242,000 |
| Total loans | 430,356,000 | 435,025,000 | 432,310,000 | 428,827,000 |
| Allowance for loan losses | 7,857,000 | 8,223,000 | 8,118,000 | 7,902,000 |
| Securities available for sale | 127,977,000 | 121,955,000 | 128,150,000 | 134,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,969,000 | 546,533,000 | 534,837,000 | 556,777,000 |
| Interest-bearing deposits | 451,653,000 | 457,031,000 | 443,573,000 | 453,204,000 |
| Noninterest-bearing deposits | 90,316,000 | 89,502,000 | 91,264,000 | 103,573,000 |
| Equity capital | 60,108,000 | 62,323,000 | 65,211,000 | 66,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,779,000 | 13,714,000 | 20,678,000 | 27,502,000 |
| Interest expense | 1,490,000 | 2,937,000 | 4,221,000 | 5,421,000 |
| Net interest income | 5,289,000 | 10,777,000 | 16,457,000 | 22,081,000 |
| Noninterest income | 1,739,000 | 3,443,000 | 5,172,000 | 6,861,000 |
| Noninterest expense | 4,649,000 | 9,094,000 | 13,635,000 | 18,278,000 |
| Provision for loan losses | 478,000 | 935,000 | 1,324,000 | 1,600,000 |
| Pretax income | 1,901,000 | 4,643,000 | 7,122,000 | 9,516,000 |
| Income tax | 91,000 | 236,000 | 364,000 | 462,000 |
| Net income | 1,810,000 | 4,407,000 | 6,758,000 | 9,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,717,000 | 57,684,000 | 59,405,000 | 59,671,000 |
| Total capital | 63,375,000 | 65,333,000 | 67,036,000 | 67,324,000 |
| Risk-weighted assets | 450,444,000 | 449,313,000 | 447,993,000 | 449,967,000 |