Call reports 2003
COMMONWEALTH BANK AND TRUST COMPANY — 2003
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 486,866,000 | 477,350,000 | 468,721,000 | 466,851,000 |
| Total loans | 377,501,000 | 373,226,000 | 364,913,000 | 361,371,000 |
| Allowance for loan losses | 3,842,000 | 3,843,000 | 3,742,000 | 3,626,000 |
| Securities available for sale | 66,530,000 | 65,310,000 | 68,153,000 | 63,583,000 |
| Securities held to maturity | 475,000 | 475,000 | 475,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,228,000 | 336,712,000 | 329,426,000 | 338,164,000 |
| Interest-bearing deposits | 286,782,000 | 279,623,000 | 281,995,000 | 275,260,000 |
| Noninterest-bearing deposits | 58,446,000 | 57,089,000 | 47,431,000 | 62,904,000 |
| Equity capital | 45,947,000 | 46,498,000 | 46,877,000 | 45,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,588,000 | 12,945,000 | 19,156,000 | 25,208,000 |
| Interest expense | 2,066,000 | 3,941,000 | 5,906,000 | 7,562,000 |
| Net interest income | 4,522,000 | 9,004,000 | 13,250,000 | 17,646,000 |
| Noninterest income | 2,219,000 | 4,778,000 | 6,992,000 | 9,031,000 |
| Noninterest expense | 5,137,000 | 10,638,000 | 15,857,000 | 20,821,000 |
| Provision for loan losses | 60,000 | 114,000 | 121,000 | 247,000 |
| Pretax income | 1,544,000 | 3,030,000 | 4,264,000 | 5,610,000 |
| Income tax | 525,000 | 1,000,000 | 1,450,000 | 1,877,000 |
| Net income | 1,019,000 | 2,030,000 | 2,814,000 | 3,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,169,000 | 44,780,000 | 45,364,000 | 43,933,000 |
| Total capital | 48,011,000 | 48,623,000 | 49,106,000 | 47,559,000 |
| Risk-weighted assets | 383,310,000 | 372,599,000 | 375,920,000 | 380,065,000 |