Call reports 2013
COMMERCIAL BANK & TRUST COMPANY — 2013
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 177,183,000 | 183,255,000 | 182,327,000 | 187,022,000 |
| Total loans | 90,284,000 | 100,053,000 | 100,240,000 | 107,115,000 |
| Allowance for loan losses | 1,894,000 | 1,841,000 | 1,802,000 | 1,776,000 |
| Securities available for sale | 68,579,000 | 70,957,000 | 68,561,000 | 68,080,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,537,000 | 157,253,000 | 155,404,000 | 158,902,000 |
| Interest-bearing deposits | 130,200,000 | 128,350,000 | 125,891,000 | 127,737,000 |
| Noninterest-bearing deposits | 29,337,000 | 28,902,000 | 29,514,000 | 31,164,000 |
| Equity capital | 17,113,000 | 15,417,000 | 13,338,000 | 12,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,903,000 | 3,849,000 | 5,837,000 | 7,853,000 |
| Interest expense | 253,000 | 496,000 | 727,000 | 954,000 |
| Net interest income | 1,650,000 | 3,353,000 | 5,110,000 | 6,899,000 |
| Noninterest income | 229,000 | 472,000 | 741,000 | 971,000 |
| Noninterest expense | 1,173,000 | 2,335,000 | 3,544,000 | 4,802,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 706,000 | 1,490,000 | 2,297,000 | 3,058,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 706,000 | 1,490,000 | 2,297,000 | 3,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,912,000 | 17,168,000 | 17,387,000 | 16,978,000 |
| Total capital | 18,218,000 | 18,602,000 | 18,827,000 | 18,509,000 |
| Risk-weighted assets | 104,149,000 | 114,300,000 | 114,838,000 | 122,281,000 |