Call reports 2016
BANK OF COMMERCE AND TRUST COMPANY, THE — 2016
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 59,243,000 | 61,329,000 | 59,699,000 | 60,647,000 |
| Total loans | 26,426,000 | 27,119,000 | 26,568,000 | 26,860,000 |
| Allowance for loan losses | 403,000 | 403,000 | 403,000 | 407,000 |
| Securities available for sale | 26,943,000 | 26,416,000 | 27,805,000 | 29,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,527,000 | 54,352,000 | 52,718,000 | 54,200,000 |
| Interest-bearing deposits | 44,455,000 | 48,716,000 | 47,248,000 | 47,792,000 |
| Noninterest-bearing deposits | 7,072,000 | 5,636,000 | 5,470,000 | 6,408,000 |
| Equity capital | 5,774,000 | 6,001,000 | 5,989,000 | 5,275,000 |
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 | 517,000 | 1,021,000 | 1,536,000 | 2,058,000 |
| Interest expense | 76,000 | 163,000 | 252,000 | 342,000 |
| Net interest income | 441,000 | 858,000 | 1,284,000 | 1,716,000 |
| Noninterest income | 89,000 | 174,000 | 261,000 | 332,000 |
| Noninterest expense | 396,000 | 791,000 | 1,166,000 | 1,611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 132,000 | 238,000 | 376,000 | 443,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 19,000 |
| Net income | 127,000 | 228,000 | 360,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,617,000 | 5,719,000 | 5,731,000 | 5,794,000 |
| Total capital | 5,975,000 | 6,092,000 | 6,099,000 | 6,169,000 |
| Risk-weighted assets | 28,651,000 | 29,837,000 | 29,422,000 | 29,991,000 |