Call reports 2011
COMMONWEALTH BANK AND TRUST COMPANY — 2011
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 826,008,000 | 810,433,000 | 800,265,000 | 823,405,000 |
| Total loans | 552,259,000 | 527,569,000 | 534,136,000 | 535,852,000 |
| Allowance for loan losses | 6,620,000 | 5,370,000 | 5,544,000 | 6,630,000 |
| Securities available for sale | 207,754,000 | 207,023,000 | 200,646,000 | 205,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 676,815,000 | 650,205,000 | 634,870,000 | 646,896,000 |
| Interest-bearing deposits | 598,393,000 | 573,233,000 | 549,675,000 | 556,743,000 |
| Noninterest-bearing deposits | 78,422,000 | 76,972,000 | 85,195,000 | 90,153,000 |
| Equity capital | 64,524,000 | 68,130,000 | 71,180,000 | 71,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,775,000 | 17,165,000 | 25,297,000 | 33,355,000 |
| Interest expense | 2,103,000 | 4,096,000 | 5,930,000 | 7,578,000 |
| Net interest income | 6,672,000 | 13,069,000 | 19,367,000 | 25,777,000 |
| Noninterest income | 2,623,000 | 5,163,000 | 7,898,000 | 10,547,000 |
| Noninterest expense | 7,646,000 | 14,846,000 | 22,275,000 | 29,516,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,600,000 | 4,700,000 |
| Pretax income | 234,000 | 348,000 | 1,065,000 | 1,887,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 348,000 | 1,065,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,988,000 | 70,102,000 | 70,119,000 | 68,941,000 |
| Total capital | 76,608,000 | 75,472,000 | 75,663,000 | 75,571,000 |
| Risk-weighted assets | 571,925,000 | 551,213,000 | 563,280,000 | 579,978,000 |