Call reports 2020
COMMERCIAL BANK & TRUST COMPANY — 2020
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 798,998,000 | 926,822,000 | 953,351,000 | 999,777,000 |
| Total loans | 479,740,000 | 538,631,000 | 538,815,000 | 526,789,000 |
| Allowance for loan losses | 7,157,000 | 7,423,000 | 7,575,000 | 7,413,000 |
| Securities available for sale | 206,673,000 | 219,167,000 | 221,249,000 | 253,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 705,743,000 | 820,719,000 | 844,894,000 | 892,454,000 |
| Interest-bearing deposits | 538,291,000 | 593,085,000 | 594,111,000 | 622,584,000 |
| Noninterest-bearing deposits | 167,452,000 | 227,634,000 | 250,783,000 | 269,870,000 |
| Equity capital | 87,969,000 | 98,382,000 | 100,579,000 | 99,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,904,000 | 16,143,000 | 23,838,000 | 31,578,000 |
| Interest expense | 1,331,000 | 2,238,000 | 3,025,000 | 3,711,000 |
| Net interest income | 6,573,000 | 13,905,000 | 20,813,000 | 27,867,000 |
| Noninterest income | 3,091,000 | 6,377,000 | 9,902,000 | 13,455,000 |
| Noninterest expense | 6,387,000 | 13,014,000 | 19,601,000 | 26,434,000 |
| Provision for loan losses | 99,000 | 383,000 | 779,000 | 1,083,000 |
| Pretax income | 3,181,000 | 6,898,000 | 10,353,000 | 13,983,000 |
| Income tax | 170,000 | 369,000 | 220,000 | 418,000 |
| Net income | 3,011,000 | 6,529,000 | 10,133,000 | 13,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,351,000 | 86,219,000 | 88,548,000 | 87,605,000 |
| Total capital | 90,015,000 | 92,984,000 | 95,170,000 | 94,590,000 |
| Risk-weighted assets | 532,615,000 | 540,556,000 | 528,768,000 | 558,385,000 |