Call reports 2015
BANK OF COMMERCE AND TRUST COMPANY, THE — 2015
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 59,363,000 | 56,604,000 | 56,223,000 | 57,826,000 |
| Total loans | 26,270,000 | 26,906,000 | 25,540,000 | 25,808,000 |
| Allowance for loan losses | 502,000 | 502,000 | 502,000 | 402,000 |
| Securities available for sale | 28,842,000 | 25,480,000 | 26,561,000 | 27,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,349,000 | 50,000,000 | 49,075,000 | 50,490,000 |
| Interest-bearing deposits | 45,456,000 | 44,044,000 | 43,076,000 | 43,692,000 |
| Noninterest-bearing deposits | 5,893,000 | 5,956,000 | 5,999,000 | 6,798,000 |
| Equity capital | 5,627,000 | 5,672,000 | 5,790,000 | 5,998,000 |
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 | 534,000 | 1,066,000 | 1,574,000 | 2,082,000 |
| Interest expense | 77,000 | 155,000 | 231,000 | 306,000 |
| Net interest income | 457,000 | 911,000 | 1,343,000 | 1,776,000 |
| Noninterest income | 110,000 | 208,000 | 416,000 | 523,000 |
| Noninterest expense | 389,000 | 754,000 | 1,152,000 | 1,614,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 177,000 | 393,000 | 636,000 | 814,000 |
| Income tax | 7,000 | 16,000 | 27,000 | 29,000 |
| Net income | 170,000 | 377,000 | 609,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,499,000 | 5,707,000 | 5,747,000 | 5,923,000 |
| Total capital | 5,854,000 | 6,093,000 | 6,091,000 | 6,275,000 |
| Risk-weighted assets | 28,321,000 | 30,799,000 | 27,439,000 | 28,144,000 |