Call reports 2004
COMMONWEALTH BANK AND TRUST COMPANY — 2004
What COMMONWEALTH BANK AND TRUST COMPANY 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 | 478,132,000 | 489,708,000 | 500,723,000 | 481,766,000 |
| Total loans | 358,392,000 | 364,694,000 | 380,169,000 | 371,826,000 |
| Allowance for loan losses | 3,533,000 | 3,599,000 | 3,696,000 | 3,672,000 |
| Securities available for sale | 78,590,000 | 84,868,000 | 82,233,000 | 68,627,000 |
| Securities held to maturity | 25,000 | 25,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,577,000 | 323,381,000 | 331,875,000 | 341,951,000 |
| Interest-bearing deposits | 276,121,000 | 268,762,000 | 274,151,000 | 280,936,000 |
| Noninterest-bearing deposits | 54,456,000 | 54,619,000 | 57,724,000 | 61,015,000 |
| Equity capital | 46,008,000 | 45,483,000 | 46,569,000 | 46,350,000 |
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 | 6,031,000 | 12,180,000 | 18,518,000 | 25,005,000 |
| Interest expense | 1,651,000 | 3,278,000 | 5,026,000 | 6,929,000 |
| Net interest income | 4,380,000 | 8,902,000 | 13,492,000 | 18,076,000 |
| Noninterest income | 2,118,000 | 4,467,000 | 6,783,000 | 9,032,000 |
| Noninterest expense | 5,073,000 | 10,836,000 | 15,847,000 | 21,705,000 |
| Provision for loan losses | 0 | 147,000 | 366,000 | 452,000 |
| Pretax income | 1,533,000 | 2,494,000 | 4,170,000 | 5,083,000 |
| Income tax | 506,000 | 454,000 | 955,000 | 1,210,000 |
| Net income | 1,027,000 | 2,040,000 | 3,215,000 | 3,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,559,000 | 45,122,000 | 45,897,000 | 46,086,000 |
| Total capital | 48,092,000 | 48,721,000 | 49,593,000 | 49,758,000 |
| Risk-weighted assets | 379,181,000 | 388,803,000 | 403,802,000 | 395,824,000 |