Call reports 2023
COMMERCIAL BANK & TRUST COMPANY — 2023
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,051,698,000 | 1,035,825,000 | 1,017,805,000 | 1,051,512,000 |
| Total loans | 534,918,000 | 536,073,000 | 537,459,000 | 544,368,000 |
| Allowance for loan losses | 7,752,000 | 7,737,000 | 7,441,000 | 7,675,000 |
| Securities available for sale | 232,940,000 | 225,410,000 | 210,836,000 | 222,264,000 |
| Securities held to maturity | 127,387,000 | 126,573,000 | 125,704,000 | 124,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 975,513,000 | 959,359,000 | 947,629,000 | 967,837,000 |
| Interest-bearing deposits | 722,420,000 | 718,457,000 | 718,562,000 | 732,376,000 |
| Noninterest-bearing deposits | 253,093,000 | 240,902,000 | 229,067,000 | 235,461,000 |
| Equity capital | 69,691,000 | 68,703,000 | 61,730,000 | 76,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,380,000 | 21,569,000 | 32,908,000 | 44,630,000 |
| Interest expense | 2,411,000 | 5,575,000 | 9,253,000 | 13,424,000 |
| Net interest income | 7,969,000 | 15,994,000 | 23,655,000 | 31,206,000 |
| Noninterest income | 4,643,000 | 9,087,000 | 13,123,000 | 11,024,000 |
| Noninterest expense | 8,310,000 | 16,468,000 | 25,058,000 | 39,003,000 |
| Provision for loan losses | 60,000 | 96,000 | -164,000 | 241,000 |
| Pretax income | 4,247,000 | 8,529,000 | 11,904,000 | 3,006,000 |
| Income tax | 118,000 | 248,000 | 347,000 | -206,000 |
| Net income | 4,129,000 | 8,281,000 | 11,557,000 | 3,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,960,000 | 117,862,000 | 119,918,000 | 120,388,000 |
| Total capital | 123,001,000 | 125,714,000 | 127,791,000 | 127,971,000 |
| Risk-weighted assets | 643,112,000 | 627,866,000 | 631,854,000 | 606,207,000 |