Call reports 2008
BANK OF COMMERCE & TRUST COMPANY — 2008
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 260,569,000 | 264,171,000 | 259,740,000 | 270,793,000 |
| Total loans | 81,337,000 | 86,129,000 | 85,774,000 | 78,760,000 |
| Allowance for loan losses | 964,000 | 1,262,000 | 556,000 | 493,000 |
| Securities available for sale | 161,401,000 | 163,606,000 | 144,758,000 | 177,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,367,000 | 218,933,000 | 215,074,000 | 218,867,000 |
| Interest-bearing deposits | 162,308,000 | 163,517,000 | 156,423,000 | 162,200,000 |
| Noninterest-bearing deposits | 53,059,000 | 55,416,000 | 58,651,000 | 56,667,000 |
| Equity capital | 34,219,000 | 33,792,000 | 35,123,000 | 33,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,796,000 | 5,677,000 | 8,643,000 | 11,527,000 |
| Interest expense | 1,028,000 | 2,042,000 | 2,968,000 | 3,836,000 |
| Net interest income | 1,768,000 | 3,635,000 | 5,675,000 | 7,691,000 |
| Noninterest income | 348,000 | 656,000 | 983,000 | 1,276,000 |
| Noninterest expense | 1,293,000 | 2,604,000 | 4,107,000 | 5,614,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 823,000 | 1,687,000 | 2,551,000 | 3,353,000 |
| Income tax | 266,000 | 544,000 | 832,000 | 1,082,000 |
| Net income | 557,000 | 1,143,000 | 1,719,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,637,000 | 35,223,000 | 35,798,000 | 34,776,000 |
| Total capital | 35,601,000 | 36,485,000 | 36,354,000 | 35,269,000 |
| Risk-weighted assets | 109,351,000 | 115,391,000 | 113,713,000 | 110,381,000 |