Call reports 2012
COMMONWEALTH BANK AND TRUST COMPANY — 2012
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 822,336,000 | 812,761,000 | 804,498,000 | 865,970,000 |
| Total loans | 530,000,000 | 525,871,000 | 516,715,000 | 518,625,000 |
| Allowance for loan losses | 7,279,000 | 5,864,000 | 7,037,000 | 6,258,000 |
| Securities available for sale | 207,907,000 | 190,198,000 | 220,430,000 | 228,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 677,365,000 | 660,083,000 | 652,004,000 | 703,363,000 |
| Interest-bearing deposits | 585,612,000 | 558,073,000 | 624,684,000 | 595,343,000 |
| Noninterest-bearing deposits | 91,753,000 | 102,010,000 | 27,320,000 | 108,020,000 |
| Equity capital | 72,152,000 | 76,012,000 | 73,342,000 | 74,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,128,000 | 16,088,000 | 23,682,000 | 30,921,000 |
| Interest expense | 1,637,000 | 2,843,000 | 3,873,000 | 4,860,000 |
| Net interest income | 6,491,000 | 13,245,000 | 19,809,000 | 26,061,000 |
| Noninterest income | 3,512,000 | 6,909,000 | 11,332,000 | 16,273,000 |
| Noninterest expense | 8,221,000 | 16,946,000 | 25,621,000 | 34,051,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,700,000 | 3,300,000 |
| Pretax income | 1,269,000 | 4,399,000 | 5,755,000 | 7,943,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,269,000 | 4,399,000 | 5,755,000 | 7,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,210,000 | 73,169,000 | 69,471,000 | 71,622,000 |
| Total capital | 77,411,000 | 79,033,000 | 76,508,000 | 77,880,000 |
| Risk-weighted assets | 576,012,000 | 580,056,000 | 567,693,000 | 581,661,000 |