Call reports 2014
COMMERCIAL BANK & TRUST COMPANY — 2014
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 666,878,000 | 657,200,000 | 646,228,000 | 679,595,000 |
| Total loans | 439,769,000 | 449,288,000 | 447,986,000 | 431,425,000 |
| Allowance for loan losses | 7,176,000 | 6,821,000 | 6,808,000 | 6,892,000 |
| Securities available for sale | 148,206,000 | 149,398,000 | 145,684,000 | 138,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,876,000 | 578,123,000 | 565,300,000 | 600,866,000 |
| Interest-bearing deposits | 465,364,000 | 456,624,000 | 442,721,000 | 461,474,000 |
| Noninterest-bearing deposits | 125,512,000 | 121,499,000 | 122,579,000 | 139,392,000 |
| Equity capital | 71,120,000 | 73,928,000 | 75,355,000 | 73,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,201,000 | 12,572,000 | 19,046,000 | 25,319,000 |
| Interest expense | 506,000 | 999,000 | 1,475,000 | 1,944,000 |
| Net interest income | 5,695,000 | 11,573,000 | 17,571,000 | 23,375,000 |
| Noninterest income | 1,809,000 | 3,750,000 | 5,655,000 | 7,514,000 |
| Noninterest expense | 4,900,000 | 9,859,000 | 14,805,000 | 19,622,000 |
| Provision for loan losses | 260,000 | 298,000 | 335,000 | 679,000 |
| Pretax income | 2,337,000 | 5,159,000 | 8,046,000 | 10,599,000 |
| Income tax | 103,000 | 238,000 | 377,000 | 497,000 |
| Net income | 2,234,000 | 4,921,000 | 7,669,000 | 10,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,763,000 | 69,050,000 | 70,398,000 | 68,231,000 |
| Total capital | 73,611,000 | 74,945,000 | 76,272,000 | 74,020,000 |
| Risk-weighted assets | 466,507,000 | 470,660,000 | 468,955,000 | 462,054,000 |
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