Call reports 2014
BANK OF COMMERCE & TRUST COMPANY — 2014
What BANK OF COMMERCE & TRUST COMPANY 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 | 361,558,000 | 349,830,000 | 336,967,000 | 362,295,000 |
| Total loans | 83,361,000 | 87,218,000 | 85,930,000 | 81,683,000 |
| Allowance for loan losses | 654,000 | 733,000 | 769,000 | 834,000 |
| Securities available for sale | 260,611,000 | 246,519,000 | 235,530,000 | 262,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,185,000 | 301,842,000 | 287,139,000 | 316,133,000 |
| Interest-bearing deposits | 232,076,000 | 217,009,000 | 205,821,000 | 226,574,000 |
| Noninterest-bearing deposits | 84,109,000 | 84,833,000 | 81,318,000 | 89,559,000 |
| Equity capital | 31,791,000 | 33,874,000 | 34,405,000 | 34,755,000 |
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 | 2,197,000 | 4,419,000 | 6,704,000 | 8,910,000 |
| Interest expense | 254,000 | 493,000 | 720,000 | 931,000 |
| Net interest income | 1,943,000 | 3,926,000 | 5,984,000 | 7,979,000 |
| Noninterest income | 306,000 | 616,000 | 971,000 | 1,304,000 |
| Noninterest expense | 1,578,000 | 3,026,000 | 4,534,000 | 6,145,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 596,000 | 1,366,000 | 2,246,000 | 2,963,000 |
| Income tax | 160,000 | 375,000 | 627,000 | 838,000 |
| Net income | 436,000 | 991,000 | 1,619,000 | 2,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,060,000 | 38,616,000 | 39,244,000 | 38,175,000 |
| Total capital | 38,714,000 | 39,349,000 | 40,013,000 | 39,009,000 |
| Risk-weighted assets | 126,129,000 | 132,731,000 | 131,154,000 | 127,121,000 |