Call reports 2016
COMMERCIAL BANK & TRUST COMPANY — 2016
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 192,627,000 | 189,989,000 | 192,517,000 | 194,907,000 |
| Total loans | 107,482,000 | 106,294,000 | 107,027,000 | 108,048,000 |
| Allowance for loan losses | 1,292,000 | 1,343,000 | 1,351,000 | 1,351,000 |
| Securities available for sale | 69,885,000 | 70,873,000 | 72,507,000 | 75,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,809,000 | 169,572,000 | 172,098,000 | 178,455,000 |
| Interest-bearing deposits | 134,589,000 | 132,037,000 | 136,420,000 | 140,363,000 |
| Noninterest-bearing deposits | 38,220,000 | 37,535,000 | 35,678,000 | 38,092,000 |
| Equity capital | 19,432,000 | 19,907,000 | 20,003,000 | 16,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,023,000 | 4,048,000 | 6,078,000 | 8,100,000 |
| Interest expense | 215,000 | 429,000 | 648,000 | 867,000 |
| Net interest income | 1,808,000 | 3,619,000 | 5,430,000 | 7,233,000 |
| Noninterest income | 240,000 | 464,000 | 724,000 | 957,000 |
| Noninterest expense | 1,271,000 | 2,626,000 | 3,920,000 | 5,301,000 |
| Provision for loan losses | 20,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 757,000 | 1,432,000 | 2,209,000 | 2,864,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 757,000 | 1,432,000 | 2,209,000 | 2,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,196,000 | 19,307,000 | 19,574,000 | 19,157,000 |
| Total capital | 20,488,000 | 20,650,000 | 20,925,000 | 20,508,000 |
| Risk-weighted assets | 123,768,000 | 120,503,000 | 122,390,000 | 123,302,000 |