Call reports 2013
COMMONWEALTH BANK AND TRUST COMPANY — 2013
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 805,248,000 | 790,579,000 | 740,023,000 | 736,219,000 |
| Total loans | 506,886,000 | 478,042,000 | 434,009,000 | 435,244,000 |
| Allowance for loan losses | 7,287,000 | 6,698,000 | 6,091,000 | 6,186,000 |
| Securities available for sale | 240,143,000 | 233,022,000 | 234,714,000 | 218,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 662,934,000 | 650,093,000 | 596,692,000 | 593,338,000 |
| Interest-bearing deposits | 559,058,000 | 537,757,000 | 486,509,000 | 491,945,000 |
| Noninterest-bearing deposits | 103,876,000 | 112,336,000 | 110,183,000 | 101,393,000 |
| Equity capital | 72,384,000 | 64,836,000 | 59,285,000 | 59,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,084,000 | 13,990,000 | 20,689,000 | 27,040,000 |
| Interest expense | 1,052,000 | 1,829,000 | 2,545,000 | 3,235,000 |
| Net interest income | 6,032,000 | 12,161,000 | 18,144,000 | 23,805,000 |
| Noninterest income | 3,934,000 | 7,833,000 | 5,773,000 | 9,317,000 |
| Noninterest expense | 8,645,000 | 17,722,000 | 25,757,000 | 33,589,000 |
| Provision for loan losses | 1,475,000 | 2,075,000 | 2,675,000 | 3,275,000 |
| Pretax income | -120,000 | 565,000 | -4,165,000 | -3,410,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -120,000 | 565,000 | -4,165,000 | -3,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,666,000 | 70,790,000 | 65,460,000 | 65,616,000 |
| Total capital | 77,719,000 | 77,488,000 | 71,551,000 | 71,802,000 |
| Risk-weighted assets | 564,062,000 | 543,515,000 | 510,684,000 | 510,890,000 |