Call reports 2016
COMMERCIAL BANK & TRUST COMPANY — 2016
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 710,053,000 | 718,773,000 | 734,850,000 | 741,265,000 |
| Total loans | 459,177,000 | 471,877,000 | 480,460,000 | 480,829,000 |
| Allowance for loan losses | 6,977,000 | 6,966,000 | 6,934,000 | 6,686,000 |
| Securities available for sale | 159,520,000 | 152,623,000 | 154,191,000 | 169,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,492,000 | 632,465,000 | 647,420,000 | 660,022,000 |
| Interest-bearing deposits | 480,847,000 | 478,369,000 | 483,842,000 | 495,641,000 |
| Noninterest-bearing deposits | 145,645,000 | 154,096,000 | 163,578,000 | 164,381,000 |
| Equity capital | 78,836,000 | 81,248,000 | 82,049,000 | 75,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,457,000 | 12,979,000 | 19,641,000 | 26,378,000 |
| Interest expense | 455,000 | 918,000 | 1,380,000 | 1,850,000 |
| Net interest income | 6,002,000 | 12,061,000 | 18,261,000 | 24,528,000 |
| Noninterest income | 2,127,000 | 4,235,000 | 6,362,000 | 8,531,000 |
| Noninterest expense | 5,126,000 | 10,404,000 | 15,728,000 | 21,051,000 |
| Provision for loan losses | 35,000 | 95,000 | 162,000 | 214,000 |
| Pretax income | 2,968,000 | 5,861,000 | 8,795,000 | 11,927,000 |
| Income tax | 144,000 | 283,000 | 424,000 | 603,000 |
| Net income | 2,824,000 | 5,578,000 | 8,371,000 | 11,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,539,000 | 72,893,000 | 74,486,000 | 72,639,000 |
| Total capital | 77,923,000 | 79,140,000 | 80,788,000 | 79,026,000 |
| Risk-weighted assets | 510,099,000 | 499,050,000 | 503,514,000 | 510,678,000 |