Call reports 2006
BANK OF COMMERCE AND TRUST COMPANY, THE — 2006
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 44,382,000 | 44,964,000 | 44,540,000 | 45,806,000 |
| Total loans | 25,095,000 | 25,534,000 | 26,239,000 | 25,984,000 |
| Allowance for loan losses | 325,000 | 298,000 | 301,000 | 305,000 |
| Securities available for sale | 247,000 | 245,000 | 247,000 | 248,000 |
| Securities held to maturity | 14,629,000 | 14,490,000 | 14,161,000 | 13,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,808,000 | 40,205,000 | 38,605,000 | 39,705,000 |
| Interest-bearing deposits | 36,464,000 | 36,033,000 | 35,046,000 | 35,827,000 |
| Noninterest-bearing deposits | 4,344,000 | 4,172,000 | 3,559,000 | 3,878,000 |
| Equity capital | 3,392,000 | 3,346,000 | 3,392,000 | 3,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,229,000 | 1,878,000 | 2,528,000 |
| Interest expense | 255,000 | 540,000 | 870,000 | 1,215,000 |
| Net interest income | 355,000 | 689,000 | 1,008,000 | 1,313,000 |
| Noninterest income | 78,000 | 153,000 | 221,000 | 290,000 |
| Noninterest expense | 329,000 | 683,000 | 1,024,000 | 1,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 104,000 | 159,000 | 205,000 | 204,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 8,000 |
| Net income | 100,000 | 153,000 | 197,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,392,000 | 3,347,000 | 3,392,000 | 3,332,000 |
| Total capital | 3,690,000 | 3,644,000 | 3,690,000 | 3,637,000 |
| Risk-weighted assets | 23,790,000 | 23,788,000 | 23,835,000 | 24,438,000 |