Call reports 2012
COMMERCIAL BANK & TRUST COMPANY — 2012
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 661,199,000 | 659,427,000 | 665,139,000 | 683,070,000 |
| Total loans | 427,246,000 | 433,153,000 | 446,678,000 | 438,568,000 |
| Allowance for loan losses | 8,329,000 | 7,241,000 | 9,102,000 | 5,775,000 |
| Securities available for sale | 142,871,000 | 146,662,000 | 145,877,000 | 133,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 574,579,000 | 570,489,000 | 578,068,000 | 594,659,000 |
| Interest-bearing deposits | 465,120,000 | 464,758,000 | 470,234,000 | 475,262,000 |
| Noninterest-bearing deposits | 109,459,000 | 105,731,000 | 107,834,000 | 119,397,000 |
| Equity capital | 67,249,000 | 70,169,000 | 70,133,000 | 71,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,723,000 | 13,446,000 | 20,109,000 | 26,644,000 |
| Interest expense | 1,110,000 | 2,137,000 | 3,095,000 | 3,922,000 |
| Net interest income | 5,613,000 | 11,309,000 | 17,014,000 | 22,722,000 |
| Noninterest income | 1,712,000 | 3,446,000 | 5,242,000 | 6,948,000 |
| Noninterest expense | 4,669,000 | 9,086,000 | 13,648,000 | 18,343,000 |
| Provision for loan losses | 461,000 | 507,000 | 2,507,000 | 3,042,000 |
| Pretax income | 2,195,000 | 5,162,000 | 6,101,000 | 8,670,000 |
| Income tax | 112,000 | 236,000 | 246,000 | 345,000 |
| Net income | 2,083,000 | 4,926,000 | 5,855,000 | 8,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,721,000 | 63,064,000 | 61,994,000 | 63,878,000 |
| Total capital | 66,852,000 | 69,269,000 | 67,943,000 | 69,653,000 |
| Risk-weighted assets | 455,914,000 | 462,951,000 | 472,758,000 | 472,016,000 |