Call reports 2004
BANK OF COMMERCE AND TRUST COMPANY, THE — 2004
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,796,000 | 45,830,000 | 44,576,000 | 43,833,000 |
| Total loans | 25,411,000 | 25,021,000 | 25,630,000 | 25,270,000 |
| Allowance for loan losses | 285,000 | 284,000 | 263,000 | 272,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,881,000 | 13,276,000 | 14,683,000 | 14,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,422,000 | 42,445,000 | 41,116,000 | 40,345,000 |
| Interest-bearing deposits | 38,373,000 | 38,680,000 | 37,172,000 | 36,890,000 |
| Noninterest-bearing deposits | 4,049,000 | 3,765,000 | 3,944,000 | 3,455,000 |
| Equity capital | 3,218,000 | 3,230,000 | 3,320,000 | 3,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,143,000 | 1,748,000 | 2,354,000 |
| Interest expense | 208,000 | 406,000 | 593,000 | 776,000 |
| Net interest income | 364,000 | 737,000 | 1,155,000 | 1,578,000 |
| Noninterest income | 52,000 | 106,000 | 163,000 | 228,000 |
| Noninterest expense | 297,000 | 575,000 | 906,000 | 1,238,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 268,000 | 412,000 | 571,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 23,000 |
| Net income | 114,000 | 258,000 | 396,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,218,000 | 3,230,000 | 3,320,000 | 3,376,000 |
| Total capital | 3,503,000 | 3,514,000 | 3,583,000 | 3,648,000 |
| Risk-weighted assets | 25,158,000 | 24,982,000 | 24,870,000 | 24,596,000 |