Call reports 2023
COMMERCIAL BANK & TRUST COMPANY — 2023
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 246,964,000 | 250,629,000 | 247,800,000 | 253,319,000 |
| Total loans | 149,327,000 | 151,614,000 | 154,344,000 | 156,782,000 |
| Allowance for loan losses | 1,416,000 | 1,459,000 | 1,967,000 | 1,740,000 |
| Securities available for sale | 82,820,000 | 80,015,000 | 76,184,000 | 78,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,996,000 | 231,283,000 | 230,526,000 | 229,273,000 |
| Interest-bearing deposits | 180,773,000 | 174,918,000 | 175,705,000 | 178,182,000 |
| Noninterest-bearing deposits | 52,223,000 | 56,365,000 | 54,820,000 | 51,091,000 |
| Equity capital | 10,435,000 | 9,082,000 | 9,248,000 | 11,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,505,000 | 5,216,000 | 8,085,000 | 11,063,000 |
| Interest expense | 684,000 | 1,591,000 | 2,806,000 | 4,200,000 |
| Net interest income | 1,821,000 | 3,625,000 | 5,279,000 | 6,863,000 |
| Noninterest income | 321,000 | 510,000 | 3,528,000 | 4,254,000 |
| Noninterest expense | 1,452,000 | 3,132,000 | 4,591,000 | 6,376,000 |
| Provision for loan losses | 30,000 | 60,000 | 790,000 | 820,000 |
| Pretax income | 660,000 | 943,000 | 3,426,000 | 3,921,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 660,000 | 943,000 | 3,426,000 | 3,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,592,000 | 24,415,000 | 26,468,000 | 25,338,000 |
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