Call reports 2022
COMMERCIAL BANK & TRUST COMPANY — 2022
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,107,908,000 | 1,109,742,000 | 1,083,459,000 | 1,062,292,000 |
| Total loans | 512,994,000 | 527,161,000 | 534,603,000 | 517,893,000 |
| Allowance for loan losses | 8,425,000 | 8,445,000 | 8,424,000 | 8,351,000 |
| Securities available for sale | 394,744,000 | 372,796,000 | 369,126,000 | 370,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,027,334,000 | 1,047,102,000 | 1,034,179,000 | 999,582,000 |
| Interest-bearing deposits | 750,995,000 | 771,950,000 | 768,940,000 | 720,714,000 |
| Noninterest-bearing deposits | 276,339,000 | 275,152,000 | 265,239,000 | 278,868,000 |
| Equity capital | 74,409,000 | 55,910,000 | 39,829,000 | 55,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,675,000 | 15,776,000 | 25,139,000 | 35,728,000 |
| Interest expense | 542,000 | 1,221,000 | 2,260,000 | 4,036,000 |
| Net interest income | 7,133,000 | 14,555,000 | 22,879,000 | 31,692,000 |
| Noninterest income | 4,266,000 | 8,838,000 | 13,162,000 | 17,506,000 |
| Noninterest expense | 7,624,000 | 15,408,000 | 23,310,000 | 31,341,000 |
| Provision for loan losses | 100,000 | 131,000 | 171,000 | 247,000 |
| Pretax income | 3,675,000 | 7,854,000 | 12,560,000 | 17,610,000 |
| Income tax | 183,000 | 349,000 | 509,000 | 592,000 |
| Net income | 3,492,000 | 7,505,000 | 12,051,000 | 17,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,125,000 | 104,063,000 | 107,399,000 | 111,366,000 |
| Total capital | 108,690,000 | 112,422,000 | 115,593,000 | 119,284,000 |
| Risk-weighted assets | 604,389,000 | 668,632,000 | 655,261,000 | 633,008,000 |