Call reports 2007
BANK OF COMMERCE & TRUST COMPANY — 2007
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 251,772,000 | 249,648,000 | 247,795,000 | 256,895,000 |
| Total loans | 81,314,000 | 78,004,000 | 79,550,000 | 77,707,000 |
| Allowance for loan losses | 765,000 | 777,000 | 771,000 | 946,000 |
| Securities available for sale | 154,318,000 | 153,660,000 | 153,128,000 | 163,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,509,000 | 210,394,000 | 205,901,000 | 213,982,000 |
| Interest-bearing deposits | 155,889,000 | 159,379,000 | 155,848,000 | 164,695,000 |
| Noninterest-bearing deposits | 51,620,000 | 51,015,000 | 50,053,000 | 49,287,000 |
| Equity capital | 31,840,000 | 31,883,000 | 33,911,000 | 32,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,860,000 | 5,717,000 | 8,586,000 | 11,459,000 |
| Interest expense | 1,111,000 | 2,228,000 | 3,350,000 | 4,452,000 |
| Net interest income | 1,749,000 | 3,489,000 | 5,236,000 | 7,007,000 |
| Noninterest income | 312,000 | 617,000 | 942,000 | 1,271,000 |
| Noninterest expense | 1,265,000 | 2,628,000 | 4,140,000 | 5,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 796,000 | 1,478,000 | 2,033,000 | 2,496,000 |
| Income tax | 250,000 | 461,000 | 620,000 | 758,000 |
| Net income | 546,000 | 1,017,000 | 1,413,000 | 1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,463,000 | 34,935,000 | 35,330,000 | 34,079,000 |
| Total capital | 35,228,000 | 35,712,000 | 36,101,000 | 35,025,000 |
| Risk-weighted assets | 110,518,000 | 108,327,000 | 108,041,000 | 106,981,000 |