Call reports 2004
BANK OF COMMERCE & TRUST COMPANY — 2004
What BANK OF COMMERCE & TRUST COMPANY 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 | 287,288,000 | 282,193,000 | 273,389,000 | 275,100,000 |
| Total loans | 70,803,000 | 75,355,000 | 76,526,000 | 72,297,000 |
| Allowance for loan losses | 1,544,000 | 1,623,000 | 1,708,000 | 1,100,000 |
| Securities available for sale | 184,307,000 | 191,230,000 | 182,541,000 | 185,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,624,000 | 243,304,000 | 232,168,000 | 235,274,000 |
| Interest-bearing deposits | 231,804,000 | 228,118,000 | 218,512,000 | 221,173,000 |
| Noninterest-bearing deposits | 13,820,000 | 15,186,000 | 13,656,000 | 14,101,000 |
| Equity capital | 33,634,000 | 30,210,000 | 33,491,000 | 31,886,000 |
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 | 3,041,000 | 5,978,000 | 8,859,000 | 11,777,000 |
| Interest expense | 974,000 | 1,915,000 | 2,820,000 | 3,677,000 |
| Net interest income | 2,067,000 | 4,063,000 | 6,039,000 | 8,100,000 |
| Noninterest income | 325,000 | 619,000 | 935,000 | 1,247,000 |
| Noninterest expense | 1,315,000 | 2,637,000 | 4,067,000 | 5,450,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 525,000 |
| Pretax income | 1,002,000 | 1,895,000 | 2,680,000 | 3,380,000 |
| Income tax | 281,000 | 539,000 | 757,000 | 952,000 |
| Net income | 721,000 | 1,356,000 | 1,923,000 | 2,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,344,000 | 33,979,000 | 34,546,000 | 33,476,000 |
| Total capital | 34,699,000 | 35,406,000 | 35,969,000 | 34,576,000 |
| Risk-weighted assets | 108,247,000 | 113,995,000 | 113,568,000 | 110,512,000 |