Call reports 2005
BANK OF COMMERCE AND TRUST COMPANY, THE — 2005
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,284,000 | 45,507,000 | 43,816,000 | 44,076,000 |
| Total loans | 25,597,000 | 25,496,000 | 24,363,000 | 24,142,000 |
| Allowance for loan losses | 275,000 | 289,000 | 318,000 | 321,000 |
| Securities available for sale | 0 | 0 | 0 | 246,000 |
| Securities held to maturity | 15,014,000 | 15,607,000 | 14,904,000 | 14,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,691,000 | 40,930,000 | 39,836,000 | 39,938,000 |
| Interest-bearing deposits | 38,674,000 | 37,238,000 | 35,827,000 | 35,135,000 |
| Noninterest-bearing deposits | 4,016,000 | 3,692,000 | 4,009,000 | 4,803,000 |
| Equity capital | 3,461,000 | 3,438,000 | 3,326,000 | 3,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,210,000 | 1,815,000 | 2,404,000 |
| Interest expense | 185,000 | 389,000 | 613,000 | 852,000 |
| Net interest income | 410,000 | 821,000 | 1,202,000 | 1,552,000 |
| Noninterest income | 55,000 | 124,000 | 192,000 | 243,000 |
| Noninterest expense | 313,000 | 667,000 | 998,000 | 1,358,000 |
| Provision for loan losses | 0 | 0 | 235,000 | 235,000 |
| Pretax income | 152,000 | 278,000 | 161,000 | 202,000 |
| Income tax | 6,000 | 11,000 | 6,000 | 10,000 |
| Net income | 146,000 | 267,000 | 155,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,461,000 | 3,438,000 | 3,326,000 | 3,291,000 |
| Total capital | 3,736,000 | 3,727,000 | 3,628,000 | 3,588,000 |
| Risk-weighted assets | 25,305,000 | 24,903,000 | 24,133,000 | 23,771,000 |