Call reports 2006
BANK OF COMMERCE & TRUST COMPANY — 2006
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 274,813,000 | 266,341,000 | 250,997,000 | 257,057,000 |
| Total loans | 76,408,000 | 77,080,000 | 77,003,000 | 76,470,000 |
| Allowance for loan losses | 958,000 | 1,034,000 | 1,121,000 | 773,000 |
| Securities available for sale | 177,242,000 | 170,152,000 | 159,047,000 | 159,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,452,000 | 224,104,000 | 209,553,000 | 217,207,000 |
| Interest-bearing deposits | 181,108,000 | 169,798,000 | 163,509,000 | 169,379,000 |
| Noninterest-bearing deposits | 54,344,000 | 54,306,000 | 46,044,000 | 47,828,000 |
| Equity capital | 29,776,000 | 29,671,000 | 31,792,000 | 30,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,898,000 | 5,840,000 | 8,711,000 | 11,495,000 |
| Interest expense | 984,000 | 2,058,000 | 3,211,000 | 4,333,000 |
| Net interest income | 1,914,000 | 3,782,000 | 5,500,000 | 7,162,000 |
| Noninterest income | 277,000 | 563,000 | 865,000 | 1,143,000 |
| Noninterest expense | 1,329,000 | 2,693,000 | 4,151,000 | 5,691,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 317,000 |
| Pretax income | 730,000 | 1,445,000 | 1,870,000 | 2,170,000 |
| Income tax | 203,000 | 414,000 | 568,000 | 640,000 |
| Net income | 527,000 | 1,031,000 | 1,302,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,489,000 | 34,993,000 | 35,264,000 | 33,917,000 |
| Total capital | 35,447,000 | 36,027,000 | 36,385,000 | 34,690,000 |
| Risk-weighted assets | 112,712,000 | 111,924,000 | 108,069,000 | 108,357,000 |