Call reports 2015
BANK OF COMMERCE & TRUST COMPANY — 2015
What BANK OF COMMERCE & TRUST COMPANY 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 | 345,894,000 | 345,412,000 | 329,464,000 | 352,294,000 |
| Total loans | 78,480,000 | 84,446,000 | 84,864,000 | 82,584,000 |
| Allowance for loan losses | 912,000 | 965,000 | 990,000 | 990,000 |
| Securities available for sale | 254,164,000 | 248,086,000 | 231,205,000 | 257,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,113,000 | 295,293,000 | 277,978,000 | 303,715,000 |
| Interest-bearing deposits | 201,981,000 | 199,753,000 | 191,152,000 | 210,622,000 |
| Noninterest-bearing deposits | 93,132,000 | 95,540,000 | 86,826,000 | 93,093,000 |
| Equity capital | 37,491,000 | 36,882,000 | 38,917,000 | 36,469,000 |
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 | 2,172,000 | 4,340,000 | 6,525,000 | 8,602,000 |
| Interest expense | 179,000 | 353,000 | 520,000 | 685,000 |
| Net interest income | 1,993,000 | 3,987,000 | 6,005,000 | 7,917,000 |
| Noninterest income | 317,000 | 633,000 | 944,000 | 1,258,000 |
| Noninterest expense | 1,560,000 | 3,044,000 | 4,608,000 | 6,131,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 675,000 | 1,426,000 | 2,166,000 | 2,869,000 |
| Income tax | 187,000 | 380,000 | 580,000 | 823,000 |
| Net income | 488,000 | 1,046,000 | 1,586,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,663,000 | 39,221,000 | 39,762,000 | 38,646,000 |
| Total capital | 39,575,000 | 40,186,000 | 40,752,000 | 39,636,000 |
| Risk-weighted assets | 138,562,000 | 144,696,000 | 141,142,000 | 132,087,000 |