Call reports 2013
BANK OF COMMERCE & TRUST COMPANY — 2013
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 347,504,000 | 339,091,000 | 338,076,000 | 365,835,000 |
| Total loans | 87,692,000 | 92,098,000 | 92,452,000 | 87,892,000 |
| Allowance for loan losses | 779,000 | 858,000 | 631,000 | 558,000 |
| Securities available for sale | 249,634,000 | 231,424,000 | 227,755,000 | 259,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,016,000 | 290,962,000 | 284,851,000 | 322,023,000 |
| Interest-bearing deposits | 211,524,000 | 213,863,000 | 211,514,000 | 244,638,000 |
| Noninterest-bearing deposits | 79,492,000 | 77,099,000 | 73,337,000 | 77,385,000 |
| Equity capital | 36,884,000 | 31,195,000 | 31,254,000 | 29,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,453,000 | 4,800,000 | 7,145,000 | 9,458,000 |
| Interest expense | 379,000 | 728,000 | 1,050,000 | 1,330,000 |
| Net interest income | 2,074,000 | 4,072,000 | 6,095,000 | 8,128,000 |
| Noninterest income | 344,000 | 651,000 | 975,000 | 1,298,000 |
| Noninterest expense | 1,637,000 | 3,140,000 | 4,690,000 | 6,413,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 706,000 | 1,433,000 | 2,155,000 | 2,788,000 |
| Income tax | 196,000 | 397,000 | 602,000 | 773,000 |
| Net income | 510,000 | 1,036,000 | 1,553,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,695,000 | 38,221,000 | 38,739,000 | 37,625,000 |
| Total capital | 38,474,000 | 39,079,000 | 39,370,000 | 38,183,000 |
| Risk-weighted assets | 132,469,000 | 138,535,000 | 138,692,000 | 134,507,000 |