Call reports 2015
COMMERCIAL BANK & TRUST COMPANY — 2015
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 190,063,000 | 186,887,000 | 188,351,000 | 191,453,000 |
| Total loans | 111,150,000 | 106,211,000 | 111,321,000 | 108,905,000 |
| Allowance for loan losses | 1,750,000 | 1,738,000 | 1,741,000 | 1,646,000 |
| Securities available for sale | 67,163,000 | 66,699,000 | 64,331,000 | 68,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,205,000 | 168,759,000 | 169,108,000 | 172,772,000 |
| Interest-bearing deposits | 136,424,000 | 136,118,000 | 134,307,000 | 134,390,000 |
| Noninterest-bearing deposits | 34,781,000 | 32,641,000 | 34,801,000 | 38,382,000 |
| Equity capital | 18,418,000 | 17,659,000 | 18,732,000 | 18,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,045,000 | 4,088,000 | 6,111,000 | 8,176,000 |
| Interest expense | 214,000 | 430,000 | 644,000 | 860,000 |
| Net interest income | 1,831,000 | 3,658,000 | 5,467,000 | 7,316,000 |
| Noninterest income | 227,000 | 446,000 | 675,000 | 885,000 |
| Noninterest expense | 1,321,000 | 2,593,000 | 3,858,000 | 5,182,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 737,000 | 1,491,000 | 2,264,000 | 2,999,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 737,000 | 1,491,000 | 2,264,000 | 2,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,423,000 | 18,625,000 | 18,838,000 | 18,439,000 |
| Total capital | 19,971,000 | 20,116,000 | 20,438,000 | 20,029,000 |
| Risk-weighted assets | 123,716,000 | 119,036,000 | 127,851,000 | 127,124,000 |