Call reports 2015
COMMERCIAL BANK & TRUST OF PA — 2015
What COMMERCIAL BANK & TRUST OF PA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 384,318,000 | 383,662,000 | 393,490,000 | 399,485,000 |
| Total loans | 176,138,000 | 178,815,000 | 184,003,000 | 182,751,000 |
| Allowance for loan losses | 1,617,000 | 1,616,000 | 1,617,000 | 1,608,000 |
| Securities available for sale | 174,242,000 | 174,462,000 | 178,932,000 | 184,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,396,000 | 312,860,000 | 319,321,000 | 319,913,000 |
| Interest-bearing deposits | 209,256,000 | 201,696,000 | 205,997,000 | 204,700,000 |
| Noninterest-bearing deposits | 114,140,000 | 111,164,000 | 113,324,000 | 115,213,000 |
| Equity capital | 58,664,000 | 51,899,000 | 53,398,000 | 54,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,482,000 | 7,056,000 | 10,737,000 | 14,457,000 |
| Interest expense | 111,000 | 214,000 | 323,000 | 433,000 |
| Net interest income | 3,371,000 | 6,842,000 | 10,414,000 | 14,024,000 |
| Noninterest income | 763,000 | 1,585,000 | 2,272,000 | 2,965,000 |
| Noninterest expense | 3,118,000 | 6,183,000 | 9,281,000 | 12,314,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,657,000 | 5,834,000 | 7,010,000 | 8,280,000 |
| Income tax | 214,000 | 1,856,000 | 2,400,000 | 2,599,000 |
| Net income | 1,443,000 | 3,978,000 | 4,610,000 | 5,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,371,000 | 52,300,000 | 52,189,000 | 52,517,000 |
| Total capital | 54,988,000 | 53,916,000 | 53,806,000 | 54,125,000 |
| Risk-weighted assets | 235,173,000 | 237,642,000 | 239,585,000 | 239,396,000 |