Call reports 2009
BANK OF COMMERCE & TRUST COMPANY — 2009
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 277,200,000 | 281,935,000 | 281,579,000 | 305,543,000 |
| Total loans | 80,247,000 | 83,380,000 | 85,117,000 | 85,077,000 |
| Allowance for loan losses | 409,000 | 434,000 | 444,000 | 454,000 |
| Securities available for sale | 180,425,000 | 181,168,000 | 180,503,000 | 199,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,289,000 | 232,586,000 | 231,716,000 | 258,512,000 |
| Interest-bearing deposits | 174,716,000 | 176,249,000 | 179,071,000 | 199,723,000 |
| Noninterest-bearing deposits | 55,573,000 | 56,337,000 | 52,645,000 | 58,789,000 |
| Equity capital | 34,100,000 | 34,215,000 | 35,151,000 | 33,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,761,000 | 5,470,000 | 8,253,000 | 10,906,000 |
| Interest expense | 802,000 | 1,607,000 | 2,383,000 | 3,134,000 |
| Net interest income | 1,959,000 | 3,863,000 | 5,870,000 | 7,772,000 |
| Noninterest income | 298,000 | 588,000 | 910,000 | 1,211,000 |
| Noninterest expense | 1,288,000 | 2,929,000 | 4,544,000 | 6,553,000 |
| Provision for loan losses | 75,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 894,000 | 1,422,000 | 2,136,000 | 2,330,000 |
| Income tax | 290,000 | 450,000 | 692,000 | 730,000 |
| Net income | 604,000 | 972,000 | 1,444,000 | 1,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,382,000 | 35,749,000 | 36,221,000 | 34,802,000 |
| Total capital | 35,791,000 | 36,183,000 | 36,665,000 | 35,256,000 |
| Risk-weighted assets | 113,600,000 | 117,036,000 | 118,445,000 | 123,282,000 |