Call reports 2012
BANK OF COMMERCE AND TRUST COMPANY, THE — 2012
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 55,822,000 | 54,523,000 | 56,313,000 | 54,975,000 |
| Total loans | 26,171,000 | 25,370,000 | 24,005,000 | 23,662,000 |
| Allowance for loan losses | 375,000 | 380,000 | 388,000 | 353,000 |
| Securities available for sale | 22,598,000 | 23,765,000 | 27,803,000 | 26,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,117,000 | 48,885,000 | 49,453,000 | 48,738,000 |
| Interest-bearing deposits | 44,214,000 | 43,372,000 | 44,094,000 | 43,530,000 |
| Noninterest-bearing deposits | 5,903,000 | 5,513,000 | 5,359,000 | 5,208,000 |
| Equity capital | 4,789,000 | 4,734,000 | 4,932,000 | 4,851,000 |
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 | 522,000 | 1,033,000 | 1,531,000 | 2,002,000 |
| Interest expense | 104,000 | 203,000 | 299,000 | 393,000 |
| Net interest income | 418,000 | 830,000 | 1,232,000 | 1,609,000 |
| Noninterest income | 88,000 | -17,000 | 79,000 | 145,000 |
| Noninterest expense | 398,000 | 802,000 | 1,202,000 | 1,637,000 |
| Provision for loan losses | -50,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | 238,000 | 232,000 | 369,000 | 377,000 |
| Income tax | 9,000 | 11,000 | 17,000 | 12,000 |
| Net income | 229,000 | 221,000 | 352,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,447,000 | 4,439,000 | 4,570,000 | 4,583,000 |
| Total capital | 4,789,000 | 4,768,000 | 4,887,000 | 4,908,000 |
| Risk-weighted assets | 27,320,000 | 26,287,000 | 25,296,000 | 25,995,000 |