Call reports 2009
COMMONWEALTH BANK AND TRUST COMPANY — 2009
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 697,836,000 | 756,144,000 | 795,739,000 | 815,095,000 |
| Total loans | 567,775,000 | 574,719,000 | 575,650,000 | 569,166,000 |
| Allowance for loan losses | 4,876,000 | 5,115,000 | 5,862,000 | 5,813,000 |
| Securities available for sale | 88,370,000 | 138,240,000 | 174,228,000 | 191,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,800,000 | 554,814,000 | 607,778,000 | 645,285,000 |
| Interest-bearing deposits | 472,228,000 | 490,762,000 | 550,422,000 | 578,160,000 |
| Noninterest-bearing deposits | 63,572,000 | 64,052,000 | 57,356,000 | 67,125,000 |
| Equity capital | 56,216,000 | 67,800,000 | 72,184,000 | 65,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,535,000 | 17,301,000 | 26,512,000 | 35,975,000 |
| Interest expense | 2,416,000 | 4,899,000 | 7,627,000 | 10,555,000 |
| Net interest income | 6,119,000 | 12,402,000 | 18,885,000 | 25,420,000 |
| Noninterest income | 2,348,000 | 5,245,000 | 8,293,000 | 10,743,000 |
| Noninterest expense | 6,381,000 | 13,391,000 | 20,223,000 | 26,842,000 |
| Provision for loan losses | 305,000 | 585,000 | 1,465,000 | 3,965,000 |
| Pretax income | 1,781,000 | 3,699,000 | 5,826,000 | 5,612,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,781,000 | 3,699,000 | 5,826,000 | 5,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,186,000 | 68,328,000 | 70,456,000 | 65,941,000 |
| Total capital | 61,062,000 | 73,443,000 | 76,318,000 | 71,754,000 |
| Risk-weighted assets | 576,370,000 | 586,862,000 | 595,478,000 | 600,429,000 |