Call reports 2005
BANK OF COMMERCE & TRUST COMPANY — 2005
What BANK OF COMMERCE & TRUST COMPANY 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 | 271,178,000 | 278,123,000 | 264,913,000 | 264,929,000 |
| Total loans | 71,720,000 | 81,593,000 | 81,720,000 | 77,398,000 |
| Allowance for loan losses | 1,234,000 | 1,420,000 | 1,579,000 | 932,000 |
| Securities available for sale | 184,265,000 | 182,680,000 | 169,452,000 | 170,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,538,000 | 230,308,000 | 218,059,000 | 227,908,000 |
| Interest-bearing deposits | 189,144,000 | 187,565,000 | 170,462,000 | 179,228,000 |
| Noninterest-bearing deposits | 42,394,000 | 42,743,000 | 47,597,000 | 48,680,000 |
| Equity capital | 30,400,000 | 32,641,000 | 31,834,000 | 30,109,000 |
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 | 2,840,000 | 5,692,000 | 8,580,000 | 11,430,000 |
| Interest expense | 846,000 | 1,710,000 | 2,620,000 | 3,530,000 |
| Net interest income | 1,994,000 | 3,982,000 | 5,960,000 | 7,900,000 |
| Noninterest income | 313,000 | 593,000 | 865,000 | 1,088,000 |
| Noninterest expense | 1,260,000 | 2,634,000 | 3,965,000 | 5,442,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 897,000 | 1,632,000 | 2,335,000 | 2,914,000 |
| Income tax | 268,000 | 484,000 | 693,000 | 853,000 |
| Net income | 629,000 | 1,148,000 | 1,642,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,105,000 | 34,624,000 | 35,117,000 | 33,962,000 |
| Total capital | 35,339,000 | 36,044,000 | 36,559,000 | 34,894,000 |
| Risk-weighted assets | 110,017,000 | 117,069,000 | 115,197,000 | 110,652,000 |