Call reports 2012
BANK OF COMMERCE & TRUST COMPANY — 2012
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 328,103,000 | 345,876,000 | 331,844,000 | 379,202,000 |
| Total loans | 87,417,000 | 94,420,000 | 97,791,000 | 91,929,000 |
| Allowance for loan losses | 538,000 | 619,000 | 705,000 | 689,000 |
| Securities available for sale | 222,742,000 | 224,701,000 | 215,023,000 | 270,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,447,000 | 294,099,000 | 280,757,000 | 327,160,000 |
| Interest-bearing deposits | 208,010,000 | 219,904,000 | 209,835,000 | 235,400,000 |
| Noninterest-bearing deposits | 69,437,000 | 74,195,000 | 70,922,000 | 91,760,000 |
| Equity capital | 36,740,000 | 37,808,000 | 38,643,000 | 36,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,474,000 | 5,035,000 | 7,549,000 | 10,049,000 |
| Interest expense | 442,000 | 888,000 | 1,325,000 | 1,748,000 |
| Net interest income | 2,032,000 | 4,147,000 | 6,224,000 | 8,301,000 |
| Noninterest income | 324,000 | 643,000 | 1,002,000 | 1,348,000 |
| Noninterest expense | 1,440,000 | 2,935,000 | 4,457,000 | 6,114,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 841,000 | 1,705,000 | 2,544,000 | 3,310,000 |
| Income tax | 239,000 | 486,000 | 717,000 | 938,000 |
| Net income | 602,000 | 1,219,000 | 1,827,000 | 2,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,990,000 | 37,607,000 | 38,215,000 | 37,185,000 |
| Total capital | 37,528,000 | 38,226,000 | 38,920,000 | 37,874,000 |
| Risk-weighted assets | 129,083,000 | 137,041,000 | 137,791,000 | 143,180,000 |