Call reports 2005
COMMERCIAL BANK OF TEXAS, N.A. — 2005
What COMMERCIAL BANK OF TEXAS, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 297,353,000 | 295,283,000 | 297,711,000 | 291,299,000 |
| Total loans | 143,320,000 | 141,510,000 | 143,785,000 | 138,361,000 |
| Allowance for loan losses | 1,674,000 | 1,649,000 | 1,593,000 | 1,503,000 |
| Securities available for sale | 107,719,000 | 108,548,000 | 105,885,000 | 106,755,000 |
| Securities held to maturity | 4,618,000 | 4,618,000 | 10,125,000 | 12,112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,591,000 | 260,177,000 | 262,515,000 | 256,146,000 |
| Interest-bearing deposits | 213,332,000 | 210,761,000 | 206,850,000 | 204,630,000 |
| Noninterest-bearing deposits | 50,259,000 | 49,416,000 | 55,665,000 | 51,516,000 |
| Equity capital | 27,453,000 | 28,191,000 | 28,262,000 | 28,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,334,000 | 6,955,000 | 10,479,000 | 14,107,000 |
| Interest expense | 1,103,000 | 2,320,000 | 3,617,000 | 4,953,000 |
| Net interest income | 2,231,000 | 4,635,000 | 6,862,000 | 9,154,000 |
| Noninterest income | 1,275,000 | 2,433,000 | 3,696,000 | 5,189,000 |
| Noninterest expense | 2,687,000 | 5,416,000 | 8,064,000 | 10,794,000 |
| Provision for loan losses | 88,000 | 88,000 | 88,000 | 88,000 |
| Pretax income | 731,000 | 1,564,000 | 2,528,000 | 3,583,000 |
| Income tax | 234,000 | 503,000 | 808,000 | 1,085,000 |
| Net income | 497,000 | 1,061,000 | 1,720,000 | 2,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,720,000 | 25,035,000 | 25,467,000 | 26,095,000 |
| Total capital | 26,285,000 | 26,599,000 | 26,990,000 | 27,598,000 |
| Risk-weighted assets | 125,521,000 | 125,024,000 | 121,757,000 | 121,884,000 |