Call reports 2005
COMMONWEALTH BANK AND TRUST COMPANY — 2005
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 499,795,000 | 499,135,000 | 499,190,000 | 496,507,000 |
| Total loans | 375,440,000 | 382,828,000 | 385,495,000 | 381,919,000 |
| Allowance for loan losses | 3,594,000 | 3,458,000 | 3,303,000 | 3,267,000 |
| Securities available for sale | 78,946,000 | 75,902,000 | 71,500,000 | 68,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,381,000 | 333,930,000 | 349,070,000 | 364,429,000 |
| Interest-bearing deposits | 285,590,000 | 272,101,000 | 283,273,000 | 289,719,000 |
| Noninterest-bearing deposits | 68,791,000 | 61,829,000 | 65,797,000 | 74,710,000 |
| Equity capital | 46,348,000 | 47,113,000 | 47,511,000 | 47,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,453,000 | 13,395,000 | 20,740,000 | 28,723,000 |
| Interest expense | 2,077,000 | 4,323,000 | 6,783,000 | 9,453,000 |
| Net interest income | 4,376,000 | 9,072,000 | 13,957,000 | 19,270,000 |
| Noninterest income | 2,142,000 | 4,258,000 | 6,523,000 | 8,361,000 |
| Noninterest expense | 5,310,000 | 11,000,000 | 17,045,000 | 23,261,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,208,000 | 2,330,000 | 3,435,000 | 4,370,000 |
| Income tax | 337,000 | 611,000 | 880,000 | 1,082,000 |
| Net income | 871,000 | 1,719,000 | 2,555,000 | 3,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,637,000 | 47,104,000 | 47,635,000 | 47,903,000 |
| Total capital | 50,231,000 | 50,562,000 | 50,938,000 | 51,170,000 |
| Risk-weighted assets | 406,475,000 | 414,522,000 | 424,002,000 | 425,030,000 |