Call reports 2015
COMMERCIAL BANK OF TEXAS, N.A. — 2015
What COMMERCIAL BANK OF TEXAS, N.A. 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 | 537,243,000 | 557,131,000 | 550,852,000 | 569,056,000 |
| Total loans | 304,459,000 | 315,668,000 | 325,927,000 | 335,763,000 |
| Allowance for loan losses | 3,802,000 | 3,922,000 | 4,202,000 | 4,183,000 |
| Securities available for sale | 168,411,000 | 171,025,000 | 159,173,000 | 168,222,000 |
| Securities held to maturity | 9,679,000 | 9,333,000 | 8,827,000 | 8,811,000 |
| Trading assets | 446,000 | 446,000 | 446,000 | 446,000 |
| Total deposits | 468,608,000 | 487,625,000 | 479,611,000 | 488,516,000 |
| Interest-bearing deposits | 336,092,000 | 346,899,000 | 334,510,000 | 341,334,000 |
| Noninterest-bearing deposits | 132,516,000 | 140,726,000 | 145,101,000 | 147,182,000 |
| Equity capital | 54,662,000 | 56,139,000 | 57,683,000 | 58,049,000 |
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 | 4,753,000 | 9,545,000 | 14,755,000 | 20,031,000 |
| Interest expense | 400,000 | 780,000 | 1,131,000 | 1,469,000 |
| Net interest income | 4,353,000 | 8,765,000 | 13,624,000 | 18,562,000 |
| Noninterest income | 1,926,000 | 4,720,000 | 6,997,000 | 9,283,000 |
| Noninterest expense | 4,369,000 | 8,858,000 | 13,562,000 | 18,342,000 |
| Provision for loan losses | 100,000 | 330,000 | 803,000 | 923,000 |
| Pretax income | 1,811,000 | 4,389,000 | 6,344,000 | 8,719,000 |
| Income tax | 578,000 | 1,148,000 | 1,771,000 | 2,534,000 |
| Net income | 1,233,000 | 3,241,000 | 4,573,000 | 6,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,277,000 | 52,029,000 | 53,106,000 | 54,463,000 |
| Total capital | 54,079,000 | 55,951,000 | 57,308,000 | 58,646,000 |
| Risk-weighted assets | 330,001,000 | 336,571,000 | 343,507,000 | 352,471,000 |