Call reports 2020
COMMERCIAL BANK & TRUST COMPANY — 2020
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 211,637,000 | 245,039,000 | 234,476,000 | 240,291,000 |
| Total loans | 123,836,000 | 132,800,000 | 135,095,000 | 137,511,000 |
| Allowance for loan losses | 1,025,000 | 1,056,000 | 1,062,000 | 1,075,000 |
| Securities available for sale | 62,391,000 | 76,311,000 | 79,825,000 | 79,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,302,000 | 222,090,000 | 211,225,000 | 217,511,000 |
| Interest-bearing deposits | 150,985,000 | 165,211,000 | 165,212,000 | 170,203,000 |
| Noninterest-bearing deposits | 38,317,000 | 56,879,000 | 46,013,000 | 47,308,000 |
| Equity capital | 22,020,000 | 22,598,000 | 22,954,000 | 22,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,740,000 | 7,181,000 | 9,618,000 |
| Interest expense | 600,000 | 1,154,000 | 1,648,000 | 2,093,000 |
| Net interest income | 1,730,000 | 3,586,000 | 5,533,000 | 7,525,000 |
| Noninterest income | 232,000 | 490,000 | 729,000 | 994,000 |
| Noninterest expense | 1,373,000 | 2,792,000 | 4,178,000 | 5,666,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 180,000 |
| Pretax income | 559,000 | 1,214,000 | 1,954,000 | 2,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 559,000 | 1,214,000 | 1,954,000 | 2,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,683,000 | 21,923,000 | 22,174,000 | 21,796,000 |
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