Call reports 2009
BANK OF COMMERCE AND TRUST COMPANY, THE — 2009
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,955,000 | 47,609,000 | 49,217,000 | 48,764,000 |
| Total loans | 30,739,000 | 30,116,000 | 27,662,000 | 28,379,000 |
| Allowance for loan losses | 303,000 | 328,000 | 172,000 | 178,000 |
| Securities available for sale | 8,298,000 | 11,198,000 | 15,222,000 | 15,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,446,000 | 43,082,000 | 44,545,000 | 43,056,000 |
| Interest-bearing deposits | 38,648,000 | 38,805,000 | 39,954,000 | 38,501,000 |
| Noninterest-bearing deposits | 3,798,000 | 4,277,000 | 4,591,000 | 4,555,000 |
| Equity capital | 3,587,000 | 3,599,000 | 3,739,000 | 3,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,137,000 | 1,688,000 | 2,258,000 |
| Interest expense | 206,000 | 393,000 | 571,000 | 731,000 |
| Net interest income | 365,000 | 744,000 | 1,117,000 | 1,527,000 |
| Noninterest income | 58,000 | 123,000 | 192,000 | 253,000 |
| Noninterest expense | 345,000 | 746,000 | 1,107,000 | 1,498,000 |
| Provision for loan losses | 155,000 | 175,000 | 270,000 | 270,000 |
| Pretax income | -61,000 | 3,000 | 51,000 | 187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -61,000 | 3,000 | 51,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,509,000 | 3,573,000 | 3,621,000 | 3,757,000 |
| Total capital | 3,812,000 | 3,900,000 | 3,793,000 | 3,935,000 |
| Risk-weighted assets | 25,734,000 | 26,159,000 | 24,232,000 | 25,272,000 |