Call reports 2016
COMMONWEALTH BANK AND TRUST COMPANY — 2016
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 894,188,000 | 938,247,000 | 951,033,000 | 983,700,000 |
| Total loans | 586,641,000 | 613,165,000 | 644,111,000 | 673,660,000 |
| Allowance for loan losses | 7,710,000 | 7,403,000 | 6,487,000 | 6,696,000 |
| Securities available for sale | 244,918,000 | 253,442,000 | 245,231,000 | 235,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 740,330,000 | 735,119,000 | 796,639,000 | 795,876,000 |
| Interest-bearing deposits | 591,655,000 | 579,860,000 | 611,939,000 | 635,899,000 |
| Noninterest-bearing deposits | 148,675,000 | 155,259,000 | 184,700,000 | 159,977,000 |
| Equity capital | 86,404,000 | 89,834,000 | 89,752,000 | 84,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,938,000 | 14,263,000 | 21,906,000 | 29,510,000 |
| Interest expense | 637,000 | 1,287,000 | 2,006,000 | 2,745,000 |
| Net interest income | 6,301,000 | 12,976,000 | 19,900,000 | 26,765,000 |
| Noninterest income | 6,208,000 | 13,793,000 | 22,742,000 | 28,947,000 |
| Noninterest expense | 11,361,000 | 23,363,000 | 36,012,000 | 47,326,000 |
| Provision for loan losses | 0 | 0 | -900,000 | -750,000 |
| Pretax income | 1,163,000 | 3,473,000 | 7,770,000 | 9,370,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,163,000 | 3,473,000 | 7,770,000 | 9,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,290,000 | 86,094,000 | 87,640,000 | 88,747,000 |
| Total capital | 92,000,000 | 93,497,000 | 94,127,000 | 95,443,000 |
| Risk-weighted assets | 633,953,000 | 653,702,000 | 696,513,000 | 707,954,000 |