Call reports 2016
BANK OF COMMERCE & TRUST COMPANY — 2016
What BANK OF COMMERCE & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 336,129,000 | 338,438,000 | 333,801,000 | 345,649,000 |
| Total loans | 80,620,000 | 87,719,000 | 90,875,000 | 87,726,000 |
| Allowance for loan losses | 1,028,000 | 925,000 | 949,000 | 953,000 |
| Securities available for sale | 242,464,000 | 236,440,000 | 223,923,000 | 241,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,694,000 | 284,594,000 | 280,246,000 | 300,707,000 |
| Interest-bearing deposits | 190,529,000 | 190,451,000 | 180,040,000 | 204,830,000 |
| Noninterest-bearing deposits | 94,165,000 | 94,143,000 | 100,206,000 | 95,878,000 |
| Equity capital | 38,188,000 | 39,363,000 | 39,556,000 | 34,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,061,000 | 4,140,000 | 6,263,000 | 8,373,000 |
| Interest expense | 157,000 | 316,000 | 469,000 | 622,000 |
| Net interest income | 1,904,000 | 3,824,000 | 5,794,000 | 7,751,000 |
| Noninterest income | 312,000 | 617,000 | 932,000 | 1,247,000 |
| Noninterest expense | 1,487,000 | 2,941,000 | 4,467,000 | 5,983,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 50,000 |
| Pretax income | 704,000 | 1,475,000 | 2,209,000 | 2,965,000 |
| Income tax | 207,000 | 430,000 | 639,000 | 863,000 |
| Net income | 497,000 | 1,045,000 | 1,570,000 | 2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,143,000 | 39,690,000 | 40,216,000 | 37,671,000 |
| Total capital | 40,171,000 | 40,615,000 | 41,165,000 | 38,624,000 |
| Risk-weighted assets | 137,532,000 | 145,070,000 | 148,366,000 | 141,283,000 |