Call reports 2010
BANK OF COMMERCE AND TRUST COMPANY, THE — 2010
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,561,000 | 48,316,000 | 49,120,000 | 48,616,000 |
| Total loans | 28,082,000 | 26,864,000 | 25,489,000 | 25,610,000 |
| Allowance for loan losses | 270,000 | 246,000 | 306,000 | 320,000 |
| Securities available for sale | 15,858,000 | 14,279,000 | 18,848,000 | 19,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,039,000 | 43,644,000 | 44,222,000 | 43,104,000 |
| Interest-bearing deposits | 41,888,000 | 38,850,000 | 39,227,000 | 38,207,000 |
| Noninterest-bearing deposits | 5,151,000 | 4,794,000 | 4,995,000 | 4,897,000 |
| Equity capital | 3,614,000 | 3,772,000 | 3,976,000 | 3,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,120,000 | 1,657,000 | 2,185,000 |
| Interest expense | 146,000 | 286,000 | 419,000 | 545,000 |
| Net interest income | 404,000 | 834,000 | 1,238,000 | 1,640,000 |
| Noninterest income | 58,000 | 120,000 | 186,000 | 204,000 |
| Noninterest expense | 331,000 | 702,000 | 1,089,000 | 1,469,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | 410,000 |
| Pretax income | -268,000 | -76,000 | 32,000 | 91,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | -268,000 | -76,000 | 32,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,490,000 | 3,681,000 | 3,789,000 | 3,847,000 |
| Total capital | 3,760,000 | 3,927,000 | 4,095,000 | 4,155,000 |
| Risk-weighted assets | 26,252,000 | 25,298,000 | 24,804,000 | 24,600,000 |