Call reports 2015
COMMONWEALTH BANK AND TRUST COMPANY — 2015
What COMMONWEALTH BANK AND TRUST COMPANY 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 | 843,357,000 | 863,020,000 | 855,949,000 | 889,634,000 |
| Total loans | 519,870,000 | 537,764,000 | 558,788,000 | 576,461,000 |
| Allowance for loan losses | 8,699,000 | 8,695,000 | 8,770,000 | 7,699,000 |
| Securities available for sale | 250,879,000 | 247,665,000 | 237,392,000 | 254,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,181,000 | 702,772,000 | 686,048,000 | 694,772,000 |
| Interest-bearing deposits | 574,430,000 | 559,375,000 | 538,979,000 | 554,364,000 |
| Noninterest-bearing deposits | 126,751,000 | 143,397,000 | 147,069,000 | 140,408,000 |
| Equity capital | 82,117,000 | 81,351,000 | 83,433,000 | 84,371,000 |
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 | 6,620,000 | 13,519,000 | 20,521,000 | 27,428,000 |
| Interest expense | 638,000 | 1,296,000 | 1,913,000 | 2,485,000 |
| Net interest income | 5,982,000 | 12,223,000 | 18,608,000 | 24,943,000 |
| Noninterest income | 6,497,000 | 13,153,000 | 19,962,000 | 24,938,000 |
| Noninterest expense | 10,671,000 | 21,629,000 | 33,212,000 | 43,196,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000,000 |
| Pretax income | 1,876,000 | 3,837,000 | 5,450,000 | 7,972,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,876,000 | 3,837,000 | 5,450,000 | 7,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,532,000 | 83,034,000 | 83,105,000 | 84,127,000 |
| Total capital | 88,752,000 | 90,539,000 | 90,758,000 | 91,826,000 |
| Risk-weighted assets | 576,133,000 | 599,195,000 | 611,124,000 | 625,130,000 |