Call reports 2007
BANK OF COMMERCE AND TRUST COMPANY, THE — 2007
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,553,000 | 46,454,000 | 45,753,000 | 47,869,000 |
| Total loans | 26,927,000 | 26,999,000 | 26,785,000 | 28,085,000 |
| Allowance for loan losses | 337,000 | 355,000 | 355,000 | 356,000 |
| Securities available for sale | 1,167,000 | 944,000 | 1,320,000 | 1,729,000 |
| Securities held to maturity | 13,706,000 | 13,674,000 | 12,695,000 | 10,139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,427,000 | 40,358,000 | 40,541,000 | 42,676,000 |
| Interest-bearing deposits | 35,854,000 | 36,089,000 | 36,108,000 | 36,728,000 |
| Noninterest-bearing deposits | 4,573,000 | 4,269,000 | 4,433,000 | 5,948,000 |
| Equity capital | 3,332,000 | 3,303,000 | 3,397,000 | 3,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,367,000 | 2,082,000 | 2,812,000 |
| Interest expense | 355,000 | 710,000 | 1,068,000 | 1,436,000 |
| Net interest income | 324,000 | 657,000 | 1,014,000 | 1,376,000 |
| Noninterest income | 72,000 | 140,000 | 220,000 | 289,000 |
| Noninterest expense | 361,000 | 721,000 | 1,045,000 | 1,417,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 10,000 | 51,000 | 164,000 | 224,000 |
| Income tax | 0 | 2,000 | 6,000 | 13,000 |
| Net income | 10,000 | 49,000 | 158,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,342,000 | 3,320,000 | 3,406,000 | 3,387,000 |
| Total capital | 3,660,000 | 3,636,000 | 3,713,000 | 3,712,000 |
| Risk-weighted assets | 25,429,000 | 25,223,000 | 24,532,000 | 25,971,000 |