Call reports 2002
COMMONWEALTH BANK AND TRUST COMPANY — 2002
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 203,431,000 | 472,630,000 | 501,536,000 | 497,064,000 |
| Total loans | 132,764,000 | 373,760,000 | 399,149,000 | 387,281,000 |
| Allowance for loan losses | 1,592,000 | 3,866,000 | 3,926,000 | 3,843,000 |
| Securities available for sale | 55,731,000 | 63,509,000 | 67,440,000 | 63,683,000 |
| Securities held to maturity | 24,000 | 474,000 | 475,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,398,000 | 352,106,000 | 340,279,000 | 358,638,000 |
| Interest-bearing deposits | 149,513,000 | 308,837,000 | 290,289,000 | 289,339,000 |
| Noninterest-bearing deposits | 15,885,000 | 43,269,000 | 49,990,000 | 69,299,000 |
| Equity capital | 19,294,000 | 43,641,000 | 44,715,000 | 45,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,228,000 | 14,866,000 | 22,060,000 | 29,232,000 |
| Interest expense | 1,371,000 | 5,821,000 | 8,525,000 | 10,988,000 |
| Net interest income | 1,857,000 | 9,045,000 | 13,535,000 | 18,244,000 |
| Noninterest income | 755,000 | 4,167,000 | 6,181,000 | 8,283,000 |
| Noninterest expense | 1,584,000 | 8,920,000 | 13,912,000 | 18,968,000 |
| Provision for loan losses | 50,000 | 360,000 | 651,000 | 651,000 |
| Pretax income | 990,000 | 4,518,000 | 5,739,000 | 7,611,000 |
| Income tax | 327,000 | 1,491,000 | 1,906,000 | 2,541,000 |
| Net income | 663,000 | 3,027,000 | 3,833,000 | 5,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,831,000 | 42,032,000 | 42,512,000 | 43,600,000 |
| Total capital | 20,423,000 | 45,898,000 | 46,438,000 | 47,443,000 |
| Risk-weighted assets | 149,389,000 | 376,735,000 | 395,023,000 | 392,322,000 |