Call reports 2006
COMMUNITY BANK AND TRUST COMPANY — 2006
What COMMUNITY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 429,178,000 | 434,687,000 | 434,558,000 | 437,507,000 |
| Total loans | 396,371,000 | 404,957,000 | 405,766,000 | 406,568,000 |
| Allowance for loan losses | 6,113,000 | 5,961,000 | 5,985,000 | 6,124,000 |
| Securities available for sale | 6,332,000 | 6,699,000 | 6,352,000 | 7,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,089,000 | 336,298,000 | 343,994,000 | 345,528,000 |
| Interest-bearing deposits | 292,592,000 | 294,279,000 | 298,999,000 | 330,612,000 |
| Noninterest-bearing deposits | 39,497,000 | 42,019,000 | 44,995,000 | 14,916,000 |
| Equity capital | 43,917,000 | 42,731,000 | 43,453,000 | 44,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,210,000 | 14,793,000 | 22,725,000 | 30,540,000 |
| Interest expense | 2,072,000 | 4,439,000 | 7,075,000 | 9,826,000 |
| Net interest income | 5,138,000 | 10,354,000 | 15,650,000 | 20,714,000 |
| Noninterest income | 324,000 | 641,000 | 974,000 | 1,292,000 |
| Noninterest expense | 2,650,000 | 5,284,000 | 7,996,000 | 10,473,000 |
| Provision for loan losses | 25,000 | -75,000 | -75,000 | 175,000 |
| Pretax income | 2,787,000 | 5,786,000 | 8,703,000 | 11,352,000 |
| Income tax | 1,081,000 | 2,236,000 | 3,359,000 | 4,368,000 |
| Net income | 1,706,000 | 3,550,000 | 5,344,000 | 6,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,842,000 | 42,673,000 | 43,348,000 | 44,032,000 |
| Total capital | 48,714,000 | 47,441,000 | 48,217,000 | 48,821,000 |
| Risk-weighted assets | 388,481,000 | 380,226,000 | 388,356,000 | 381,766,000 |