Call reports 2014
COMMERCIAL BANK & TRUST OF PA — 2014
What COMMERCIAL BANK & TRUST OF PA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 396,099,000 | 395,507,000 | 396,018,000 | 386,000,000 |
| Total loans | 168,631,000 | 170,667,000 | 171,141,000 | 171,223,000 |
| Allowance for loan losses | 1,620,000 | 1,620,000 | 1,616,000 | 1,616,000 |
| Securities available for sale | 195,643,000 | 194,331,000 | 187,053,000 | 187,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,549,000 | 311,823,000 | 320,174,000 | 313,386,000 |
| Interest-bearing deposits | 212,754,000 | 208,875,000 | 213,033,000 | 207,662,000 |
| Noninterest-bearing deposits | 106,795,000 | 102,948,000 | 107,141,000 | 105,724,000 |
| Equity capital | 50,206,000 | 54,092,000 | 56,311,000 | 58,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,917,000 | 7,834,000 | 11,683,000 | 15,265,000 |
| Interest expense | 176,000 | 344,000 | 498,000 | 643,000 |
| Net interest income | 3,741,000 | 7,490,000 | 11,185,000 | 14,622,000 |
| Noninterest income | 731,000 | 1,429,000 | 2,127,000 | 2,855,000 |
| Noninterest expense | 3,043,000 | 6,009,000 | 9,047,000 | 12,040,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,422,000 | 2,924,000 | 4,279,000 | 5,458,000 |
| Income tax | -184,000 | -339,000 | -514,000 | -738,000 |
| Net income | 1,606,000 | 3,263,000 | 4,793,000 | 6,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,888,000 | 51,225,000 | 52,012,000 | 52,671,000 |
| Total capital | 51,508,000 | 52,845,000 | 53,628,000 | 54,287,000 |
| Risk-weighted assets | 228,889,000 | 230,074,000 | 225,868,000 | 227,977,000 |