Call reports 2012
COMMERCIAL BANK & TRUST COMPANY — 2012
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 160,389,000 | 164,444,000 | 173,127,000 | 175,880,000 |
| Total loans | 100,877,000 | 102,982,000 | 96,307,000 | 92,477,000 |
| Allowance for loan losses | 1,906,000 | 1,858,000 | 1,860,000 | 2,018,000 |
| Securities available for sale | 46,634,000 | 48,286,000 | 59,358,000 | 69,324,000 |
| Securities held to maturity | 200,000 | 200,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,071,000 | 146,666,000 | 155,603,000 | 158,772,000 |
| Interest-bearing deposits | 119,313,000 | 123,005,000 | 129,964,000 | 132,620,000 |
| Noninterest-bearing deposits | 23,757,000 | 23,661,000 | 25,638,000 | 26,153,000 |
| Equity capital | 16,709,000 | 17,144,000 | 16,886,000 | 16,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,107,000 | 4,190,000 | 6,208,000 | 8,193,000 |
| Interest expense | 339,000 | 671,000 | 992,000 | 1,277,000 |
| Net interest income | 1,768,000 | 3,519,000 | 5,216,000 | 6,916,000 |
| Noninterest income | 291,000 | 565,000 | 813,000 | 1,080,000 |
| Noninterest expense | 1,147,000 | 2,280,000 | 3,493,000 | 4,682,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 700,000 |
| Pretax income | 732,000 | 1,444,000 | 1,996,000 | 2,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 732,000 | 1,444,000 | 1,996,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,284,000 | 16,448,000 | 16,464,000 | 16,206,000 |
| Total capital | 17,558,000 | 17,756,000 | 17,737,000 | 17,494,000 |
| Risk-weighted assets | 101,307,000 | 104,110,000 | 101,247,000 | 102,317,000 |