Call reports 2014
COMMERCIAL BANK OF TEXAS, N.A. — 2014
What COMMERCIAL BANK OF TEXAS, N.A. 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 | 534,237,000 | 543,084,000 | 538,393,000 | 530,892,000 |
| Total loans | 258,254,000 | 276,811,000 | 290,584,000 | 303,395,000 |
| Allowance for loan losses | 3,300,000 | 3,437,000 | 3,633,000 | 3,764,000 |
| Securities available for sale | 208,164,000 | 197,256,000 | 181,991,000 | 159,169,000 |
| Securities held to maturity | 13,851,000 | 13,825,000 | 11,087,000 | 11,067,000 |
| Trading assets | 373,000 | 373,000 | 373,000 | 373,000 |
| Total deposits | 469,752,000 | 468,363,000 | 472,188,000 | 460,231,000 |
| Interest-bearing deposits | 352,060,000 | 342,064,000 | 338,524,000 | 329,875,000 |
| Noninterest-bearing deposits | 117,692,000 | 126,299,000 | 133,664,000 | 130,356,000 |
| Equity capital | 50,082,000 | 50,852,000 | 52,044,000 | 53,139,000 |
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 | 4,432,000 | 9,060,000 | 13,743,000 | 18,499,000 |
| Interest expense | 467,000 | 932,000 | 1,381,000 | 1,795,000 |
| Net interest income | 3,965,000 | 8,128,000 | 12,362,000 | 16,704,000 |
| Noninterest income | 1,831,000 | 4,069,000 | 6,657,000 | 8,603,000 |
| Noninterest expense | 4,235,000 | 8,367,000 | 12,530,000 | 16,868,000 |
| Provision for loan losses | 109,000 | 271,000 | 488,000 | 672,000 |
| Pretax income | 1,564,000 | 3,694,000 | 6,240,000 | 8,064,000 |
| Income tax | 494,000 | 1,095,000 | 1,927,000 | 2,505,000 |
| Net income | 1,070,000 | 2,599,000 | 4,313,000 | 5,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,304,000 | 46,603,000 | 48,085,000 | 49,101,000 |
| Total capital | 48,604,000 | 50,040,000 | 51,718,000 | 52,865,000 |
| Risk-weighted assets | 270,729,000 | 294,319,000 | 309,986,000 | 320,404,000 |