Call reports 2006
COMMONWEALTH BANK AND TRUST COMPANY — 2006
What COMMONWEALTH 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 | 503,526,000 | 526,019,000 | 531,300,000 | 533,671,000 |
| Total loans | 383,196,000 | 398,419,000 | 398,100,000 | 408,250,000 |
| Allowance for loan losses | 3,322,000 | 3,341,000 | 3,324,000 | 3,116,000 |
| Securities available for sale | 73,896,000 | 76,071,000 | 83,044,000 | 80,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,749,000 | 380,407,000 | 387,266,000 | 396,457,000 |
| Interest-bearing deposits | 294,270,000 | 304,897,000 | 314,013,000 | 322,519,000 |
| Noninterest-bearing deposits | 65,479,000 | 75,510,000 | 73,253,000 | 73,938,000 |
| Equity capital | 47,835,000 | 48,260,000 | 49,507,000 | 50,202,000 |
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 | 7,762,000 | 16,073,000 | 24,760,000 | 33,551,000 |
| Interest expense | 2,886,000 | 6,261,000 | 9,979,000 | 13,824,000 |
| Net interest income | 4,876,000 | 9,812,000 | 14,781,000 | 19,727,000 |
| Noninterest income | 2,143,000 | 4,222,000 | 6,243,000 | 8,195,000 |
| Noninterest expense | 5,363,000 | 10,901,000 | 16,553,000 | 22,109,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 100,000 |
| Pretax income | 1,581,000 | 2,979,000 | 4,286,000 | 5,783,000 |
| Income tax | 420,000 | 769,000 | 1,046,000 | 1,324,000 |
| Net income | 1,161,000 | 2,210,000 | 3,240,000 | 4,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,594,000 | 49,198,000 | 49,808,000 | 50,512,000 |
| Total capital | 51,916,000 | 52,539,000 | 53,132,000 | 53,628,000 |
| Risk-weighted assets | 427,469,000 | 440,776,000 | 442,099,000 | 449,068,000 |