Call reports 2004
COMMERCIAL BANK OF TEXAS, N.A. — 2004
What COMMERCIAL BANK OF TEXAS, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 297,440,000 | 292,933,000 | 288,225,000 | 288,555,000 |
| Total loans | 152,699,000 | 151,932,000 | 144,449,000 | 139,576,000 |
| Allowance for loan losses | 1,746,000 | 1,839,000 | 1,577,000 | 1,634,000 |
| Securities available for sale | 88,249,000 | 101,318,000 | 102,413,000 | 104,915,000 |
| Securities held to maturity | 3,148,000 | 4,049,000 | 4,049,000 | 4,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,564,000 | 258,658,000 | 251,966,000 | 253,343,000 |
| Interest-bearing deposits | 211,119,000 | 209,410,000 | 203,646,000 | 206,361,000 |
| Noninterest-bearing deposits | 49,445,000 | 49,248,000 | 48,320,000 | 46,982,000 |
| Equity capital | 28,900,000 | 27,314,000 | 28,702,000 | 28,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,111,000 | 6,297,000 | 9,539,000 | 12,733,000 |
| Interest expense | 963,000 | 1,912,000 | 2,868,000 | 3,830,000 |
| Net interest income | 2,148,000 | 4,385,000 | 6,671,000 | 8,903,000 |
| Noninterest income | 1,349,000 | 2,599,000 | 3,809,000 | 5,035,000 |
| Noninterest expense | 2,584,000 | 5,168,000 | 7,882,000 | 10,515,000 |
| Provision for loan losses | 150,000 | 300,000 | 355,000 | 465,000 |
| Pretax income | 840,000 | 1,593,000 | 2,395,000 | 3,110,000 |
| Income tax | 275,000 | 518,000 | 777,000 | 955,000 |
| Net income | 565,000 | 1,075,000 | 1,618,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,032,000 | 24,407,000 | 24,453,000 | 24,675,000 |
| Total capital | 25,637,000 | 26,003,000 | 26,018,000 | 26,216,000 |
| Risk-weighted assets | 128,224,000 | 127,441,000 | 125,608,000 | 123,173,000 |