Call reports 2013
COMMERCIAL BANK & TRUST COMPANY — 2013
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 675,220,000 | 646,873,000 | 654,716,000 | 678,054,000 |
| Total loans | 436,817,000 | 448,217,000 | 444,787,000 | 438,309,000 |
| Allowance for loan losses | 6,299,000 | 6,690,000 | 7,119,000 | 6,955,000 |
| Securities available for sale | 155,387,000 | 149,905,000 | 146,089,000 | 146,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,288,000 | 566,430,000 | 578,814,000 | 603,534,000 |
| Interest-bearing deposits | 478,622,000 | 456,664,000 | 455,746,000 | 463,845,000 |
| Noninterest-bearing deposits | 114,666,000 | 109,766,000 | 123,068,000 | 139,689,000 |
| Equity capital | 71,514,000 | 69,438,000 | 70,765,000 | 69,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,310,000 | 12,727,000 | 19,193,000 | 25,597,000 |
| Interest expense | 712,000 | 1,369,000 | 1,935,000 | 2,479,000 |
| Net interest income | 5,598,000 | 11,358,000 | 17,258,000 | 23,118,000 |
| Noninterest income | 1,761,000 | 3,597,000 | 5,515,000 | 7,345,000 |
| Noninterest expense | 4,647,000 | 9,301,000 | 14,077,000 | 18,799,000 |
| Provision for loan losses | 412,000 | 833,000 | 1,270,000 | 1,604,000 |
| Pretax income | 2,300,000 | 4,850,000 | 7,459,000 | 10,093,000 |
| Income tax | 99,000 | 219,000 | 340,000 | 455,000 |
| Net income | 2,201,000 | 4,631,000 | 7,119,000 | 9,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,455,000 | 67,084,000 | 68,273,000 | 67,691,000 |
| Total capital | 71,332,000 | 72,995,000 | 74,134,000 | 73,582,000 |
| Risk-weighted assets | 469,723,000 | 472,094,000 | 467,585,000 | 470,243,000 |