Call reports 2004
COMMERCIAL BANK & TRUST OF PA — 2004
What COMMERCIAL BANK & TRUST OF PA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 419,635,000 | 371,563,000 | 330,307,000 | 320,456,000 |
| Total loans | 184,171,000 | 187,839,000 | 188,538,000 | 192,255,000 |
| Allowance for loan losses | 2,480,000 | 1,823,000 | 1,839,000 | 1,855,000 |
| Securities available for sale | 202,549,000 | 137,859,000 | 109,202,000 | 99,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,216,000 | 270,164,000 | 269,102,000 | 265,947,000 |
| Interest-bearing deposits | 210,876,000 | 208,075,000 | 208,411,000 | 203,534,000 |
| Noninterest-bearing deposits | 53,340,000 | 62,089,000 | 60,691,000 | 62,413,000 |
| Equity capital | 48,323,000 | 44,563,000 | 43,742,000 | 44,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,919,000 | 9,713,000 | 14,077,000 | 18,233,000 |
| Interest expense | 1,654,000 | 3,310,000 | 4,917,000 | 5,956,000 |
| Net interest income | 3,265,000 | 6,403,000 | 9,160,000 | 12,277,000 |
| Noninterest income | 596,000 | 1,129,000 | 1,591,000 | 2,094,000 |
| Noninterest expense | 3,207,000 | 6,043,000 | 13,144,000 | 15,531,000 |
| Provision for loan losses | 56,000 | -436,000 | -436,000 | -436,000 |
| Pretax income | 1,364,000 | 2,742,000 | -791,000 | 442,000 |
| Income tax | 303,000 | 669,000 | -604,000 | -285,000 |
| Net income | 1,061,000 | 2,073,000 | -187,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,457,000 | 43,492,000 | 40,746,000 | 41,822,000 |
| Total capital | 45,831,000 | 45,315,000 | 42,585,000 | 43,677,000 |
| Risk-weighted assets | 189,799,000 | 185,793,000 | 183,232,000 | 184,252,000 |
Machine access — free, no API key
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