Call reports 2014
BANK OF COMMERCE AND TRUST COMPANY, THE — 2014
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 58,527,000 | 57,750,000 | 55,978,000 | 57,120,000 |
| Total loans | 25,834,000 | 25,688,000 | 24,444,000 | 25,937,000 |
| Allowance for loan losses | 393,000 | 396,000 | 390,000 | 504,000 |
| Securities available for sale | 27,103,000 | 27,654,000 | 26,517,000 | 26,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,796,000 | 50,803,000 | 49,603,000 | 48,840,000 |
| Interest-bearing deposits | 46,091,000 | 44,956,000 | 44,212,000 | 42,853,000 |
| Noninterest-bearing deposits | 6,705,000 | 5,847,000 | 5,391,000 | 5,987,000 |
| Equity capital | 4,823,000 | 5,270,000 | 5,418,000 | 5,699,000 |
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 | 525,000 | 1,039,000 | 1,566,000 | 2,092,000 |
| Interest expense | 78,000 | 157,000 | 237,000 | 314,000 |
| Net interest income | 447,000 | 882,000 | 1,329,000 | 1,778,000 |
| Noninterest income | 231,000 | 401,000 | 501,000 | 566,000 |
| Noninterest expense | 403,000 | 775,000 | 1,167,000 | 1,470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 286,000 | 521,000 | 678,000 | 889,000 |
| Income tax | 6,000 | 17,000 | 23,000 | 35,000 |
| Net income | 280,000 | 504,000 | 655,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,055,000 | 5,279,000 | 5,430,000 | 5,630,000 |
| Total capital | 5,407,000 | 5,626,000 | 5,761,000 | 5,979,000 |
| Risk-weighted assets | 28,085,000 | 27,736,000 | 26,453,000 | 27,770,000 |