Call reports 2008
BANK OF COMMERCE AND TRUST COMPANY, THE — 2008
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 47,959,000 | 45,320,000 | 46,797,000 | 46,446,000 |
| Total loans | 29,439,000 | 30,592,000 | 29,888,000 | 29,668,000 |
| Allowance for loan losses | 324,000 | 192,000 | 394,000 | 417,000 |
| Securities available for sale | 5,006,000 | 6,328,000 | 7,584,000 | 7,243,000 |
| Securities held to maturity | 2,167,000 | 1,140,000 | 1,097,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,660,000 | 41,069,000 | 42,723,000 | 42,332,000 |
| Interest-bearing deposits | 37,796,000 | 36,466,000 | 38,379,000 | 38,164,000 |
| Noninterest-bearing deposits | 4,864,000 | 4,603,000 | 4,343,000 | 4,168,000 |
| Equity capital | 3,486,000 | 3,276,000 | 3,105,000 | 3,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,325,000 | 1,960,000 | 2,565,000 |
| Interest expense | 347,000 | 655,000 | 935,000 | 1,189,000 |
| Net interest income | 339,000 | 670,000 | 1,025,000 | 1,376,000 |
| Noninterest income | 64,000 | 131,000 | 210,000 | 277,000 |
| Noninterest expense | 331,000 | 684,000 | 1,023,000 | 1,378,000 |
| Provision for loan losses | 0 | 60,000 | 260,000 | 260,000 |
| Pretax income | 73,000 | 59,000 | -198,000 | -263,000 |
| Income tax | 2,000 | 4,000 | 4,000 | -1,000 |
| Net income | 71,000 | 55,000 | -202,000 | -262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,458,000 | 3,382,000 | 3,125,000 | 3,065,000 |
| Total capital | 3,782,000 | 3,574,000 | 3,452,000 | 3,387,000 |
| Risk-weighted assets | 27,028,000 | 27,352,000 | 26,065,000 | 25,699,000 |