Call reports 2007
COMMONWEALTH BANK AND TRUST COMPANY — 2007
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 537,604,000 | 565,569,000 | 585,527,000 | 596,931,000 |
| Total loans | 416,981,000 | 448,030,000 | 462,606,000 | 473,503,000 |
| Allowance for loan losses | 3,002,000 | 2,967,000 | 2,899,000 | 2,782,000 |
| Securities available for sale | 75,056,000 | 75,173,000 | 80,441,000 | 75,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,235,000 | 415,196,000 | 404,287,000 | 415,505,000 |
| Interest-bearing deposits | 325,255,000 | 351,819,000 | 343,312,000 | 343,568,000 |
| Noninterest-bearing deposits | 65,980,000 | 63,377,000 | 60,975,000 | 71,937,000 |
| Equity capital | 51,435,000 | 51,465,000 | 52,551,000 | 53,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,758,000 | 18,201,000 | 28,128,000 | 38,021,000 |
| Interest expense | 3,919,000 | 8,232,000 | 12,878,000 | 17,450,000 |
| Net interest income | 4,839,000 | 9,969,000 | 15,250,000 | 20,571,000 |
| Noninterest income | 1,980,000 | 4,268,000 | 6,626,000 | 8,986,000 |
| Noninterest expense | 5,725,000 | 11,490,000 | 17,169,000 | 22,718,000 |
| Provision for loan losses | 70,000 | 130,000 | 190,000 | 295,000 |
| Pretax income | 1,024,000 | 2,624,000 | 4,524,000 | 6,615,000 |
| Income tax | 170,000 | 537,000 | 1,054,000 | 1,613,000 |
| Net income | 854,000 | 2,087,000 | 3,470,000 | 5,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,956,000 | 51,739,000 | 52,492,000 | 53,494,000 |
| Total capital | 53,958,000 | 54,706,000 | 55,391,000 | 56,276,000 |
| Risk-weighted assets | 456,960,000 | 485,623,000 | 506,785,000 | 491,688,000 |