Call reports 2014
COMMERCIAL BANK & TRUST COMPANY — 2014
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 186,846,000 | 186,314,000 | 185,126,000 | 191,583,000 |
| Total loans | 105,579,000 | 108,875,000 | 112,252,000 | 111,588,000 |
| Allowance for loan losses | 1,773,000 | 1,663,000 | 1,699,000 | 1,746,000 |
| Securities available for sale | 69,098,000 | 65,979,000 | 61,772,000 | 67,609,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,973,000 | 156,310,000 | 167,793,000 | 173,769,000 |
| Interest-bearing deposits | 126,299,000 | 126,131,000 | 134,843,000 | 137,053,000 |
| Noninterest-bearing deposits | 30,674,000 | 30,179,000 | 32,949,000 | 36,716,000 |
| Equity capital | 14,675,000 | 16,179,000 | 16,803,000 | 17,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,978,000 | 3,964,000 | 5,996,000 | 8,069,000 |
| Interest expense | 223,000 | 443,000 | 661,000 | 877,000 |
| Net interest income | 1,755,000 | 3,521,000 | 5,335,000 | 7,192,000 |
| Noninterest income | 244,000 | 486,000 | 688,000 | 913,000 |
| Noninterest expense | 1,249,000 | 2,481,000 | 3,789,000 | 5,057,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 690,000 | 1,406,000 | 2,054,000 | 2,808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 690,000 | 1,406,000 | 2,054,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,668,000 | 17,868,000 | 17,981,000 | 17,686,000 |
| Total capital | 19,164,000 | 19,372,000 | 19,130,000 | 19,222,000 |
| Risk-weighted assets | 119,447,000 | 120,184,000 | 121,411,000 | 122,730,000 |
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