Call reports 2018
COMMERCIAL BANK & TRUST COMPANY — 2018
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 744,114,000 | 733,801,000 | 734,567,000 | 740,176,000 |
| Total loans | 474,751,000 | 486,001,000 | 489,512,000 | 490,112,000 |
| Allowance for loan losses | 6,632,000 | 6,655,000 | 6,658,000 | 6,742,000 |
| Securities available for sale | 179,661,000 | 192,338,000 | 187,745,000 | 182,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,116,000 | 648,830,000 | 643,344,000 | 654,817,000 |
| Interest-bearing deposits | 498,047,000 | 491,324,000 | 488,892,000 | 500,972,000 |
| Noninterest-bearing deposits | 163,069,000 | 157,506,000 | 154,452,000 | 153,845,000 |
| Equity capital | 77,867,000 | 79,354,000 | 80,217,000 | 79,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,343,000 | 15,088,000 | 23,065,000 | 31,163,000 |
| Interest expense | 588,000 | 1,369,000 | 2,235,000 | 3,350,000 |
| Net interest income | 6,755,000 | 13,719,000 | 20,830,000 | 27,813,000 |
| Noninterest income | 2,796,000 | 5,298,000 | 7,726,000 | 9,912,000 |
| Noninterest expense | 5,702,000 | 11,520,000 | 17,309,000 | 22,752,000 |
| Provision for loan losses | 123,000 | 206,000 | 334,000 | 591,000 |
| Pretax income | 3,726,000 | 7,291,000 | 10,913,000 | 14,386,000 |
| Income tax | 204,000 | 398,000 | 595,000 | 786,000 |
| Net income | 3,522,000 | 6,893,000 | 10,318,000 | 13,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,773,000 | 78,644,000 | 80,769,000 | 78,050,000 |
| Total capital | 83,175,000 | 84,988,000 | 87,172,000 | 84,482,000 |
| Risk-weighted assets | 511,953,000 | 507,192,000 | 512,008,000 | 514,234,000 |