Call reports 2019
COMMERCIAL BANK & TRUST COMPANY — 2019
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 210,376,000 | 209,563,000 | 211,937,000 | 205,954,000 |
| Total loans | 122,021,000 | 122,990,000 | 122,683,000 | 123,549,000 |
| Allowance for loan losses | 1,006,000 | 999,000 | 1,015,000 | 1,057,000 |
| Securities available for sale | 73,019,000 | 73,962,000 | 69,670,000 | 67,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,658,000 | 177,262,000 | 183,061,000 | 184,433,000 |
| Interest-bearing deposits | 140,549,000 | 140,756,000 | 145,593,000 | 147,664,000 |
| Noninterest-bearing deposits | 37,109,000 | 36,506,000 | 37,467,000 | 36,769,000 |
| Equity capital | 19,417,000 | 20,937,000 | 21,436,000 | 21,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,214,000 | 4,502,000 | 6,847,000 | 9,201,000 |
| Interest expense | 563,000 | 1,153,000 | 1,764,000 | 2,366,000 |
| Net interest income | 1,651,000 | 3,349,000 | 5,083,000 | 6,835,000 |
| Noninterest income | 238,000 | 470,000 | 727,000 | 984,000 |
| Noninterest expense | 1,345,000 | 2,674,000 | 4,041,000 | 5,436,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 514,000 | 1,085,000 | 1,679,000 | 2,263,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 514,000 | 1,085,000 | 1,679,000 | 2,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,065,000 | 21,250,000 | 21,416,000 | 21,124,000 |
| Total capital | 22,071,000 | 22,249,000 | 22,431,000 | 22,180,000 |
| Risk-weighted assets | 134,721,000 | 135,517,000 | 135,785,000 | 135,700,000 |