Call reports 2013
BANK OF COMMERCE AND TRUST COMPANY, THE — 2013
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 57,756,000 | 56,796,000 | 57,017,000 | 56,833,000 |
| Total loans | 23,936,000 | 24,491,000 | 23,599,000 | 24,722,000 |
| Allowance for loan losses | 367,000 | 378,000 | 386,000 | 392,000 |
| Securities available for sale | 26,260,000 | 27,673,000 | 29,107,000 | 28,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,023,000 | 51,545,000 | 51,296,000 | 50,539,000 |
| Interest-bearing deposits | 46,114,000 | 45,530,000 | 45,591,000 | 44,517,000 |
| Noninterest-bearing deposits | 5,909,000 | 6,015,000 | 5,705,000 | 6,022,000 |
| Equity capital | 4,832,000 | 4,349,000 | 4,289,000 | 4,397,000 |
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 | 443,000 | 902,000 | 1,383,000 | 1,890,000 |
| Interest expense | 86,000 | 172,000 | 258,000 | 340,000 |
| Net interest income | 357,000 | 730,000 | 1,125,000 | 1,550,000 |
| Noninterest income | 77,000 | 125,000 | 189,000 | 285,000 |
| Noninterest expense | 409,000 | 799,000 | 1,198,000 | 1,604,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 57,000 | 117,000 | 233,000 |
| Income tax | 1,000 | 3,000 | 7,000 | 12,000 |
| Net income | 24,000 | 54,000 | 110,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,603,000 | 4,633,000 | 4,689,000 | 4,799,000 |
| Total capital | 4,934,000 | 4,970,000 | 5,019,000 | 5,134,000 |
| Risk-weighted assets | 26,456,000 | 26,927,000 | 26,313,000 | 26,745,000 |