Call reports 2015
COMMERCIAL BANK & TRUST COMPANY — 2015
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 671,846,000 | 664,491,000 | 672,779,000 | 694,088,000 |
| Total loans | 422,211,000 | 434,531,000 | 436,532,000 | 456,788,000 |
| Allowance for loan losses | 7,816,000 | 7,738,000 | 7,725,000 | 6,966,000 |
| Securities available for sale | 143,842,000 | 144,049,000 | 145,739,000 | 159,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,873,000 | 584,528,000 | 590,072,000 | 612,500,000 |
| Interest-bearing deposits | 454,592,000 | 449,287,000 | 452,151,000 | 468,728,000 |
| Noninterest-bearing deposits | 137,281,000 | 135,241,000 | 137,921,000 | 143,772,000 |
| Equity capital | 75,321,000 | 74,926,000 | 77,610,000 | 76,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,034,000 | 12,187,000 | 18,390,000 | 24,787,000 |
| Interest expense | 453,000 | 908,000 | 1,358,000 | 1,803,000 |
| Net interest income | 5,581,000 | 11,279,000 | 17,032,000 | 22,984,000 |
| Noninterest income | 1,956,000 | 4,088,000 | 6,251,000 | 8,264,000 |
| Noninterest expense | 4,863,000 | 9,950,000 | 15,143,000 | 20,283,000 |
| Provision for loan losses | 76,000 | 158,000 | 175,000 | -544,000 |
| Pretax income | 2,598,000 | 5,259,000 | 7,999,000 | 11,544,000 |
| Income tax | 125,000 | 247,000 | 374,000 | 560,000 |
| Net income | 2,473,000 | 5,012,000 | 7,625,000 | 10,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,104,000 | 70,243,000 | 71,657,000 | 70,615,000 |
| Total capital | 74,831,000 | 76,145,000 | 77,410,000 | 76,989,000 |
| Risk-weighted assets | 456,055,000 | 470,297,000 | 458,230,000 | 509,335,000 |