Call reports 2019
BANK OF COMMERCE AND TRUST COMPANY, THE — 2019
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 80,188,000 | 82,508,000 | 79,689,000 | 81,963,000 |
| Total loans | 43,743,000 | 44,479,000 | 44,123,000 | 45,691,000 |
| Allowance for loan losses | 425,000 | 426,000 | 396,000 | 416,000 |
| Securities available for sale | 25,576,000 | 26,921,000 | 28,530,000 | 27,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,773,000 | 73,538,000 | 70,529,000 | 71,275,000 |
| Interest-bearing deposits | 61,083,000 | 62,851,000 | 60,401,000 | 59,849,000 |
| Noninterest-bearing deposits | 10,690,000 | 10,687,000 | 10,128,000 | 11,425,000 |
| Equity capital | 7,114,000 | 7,585,000 | 7,724,000 | 7,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,701,000 | 2,574,000 | 3,439,000 |
| Interest expense | 151,000 | 317,000 | 487,000 | 655,000 |
| Net interest income | 689,000 | 1,384,000 | 2,087,000 | 2,784,000 |
| Noninterest income | 134,000 | 247,000 | 360,000 | 531,000 |
| Noninterest expense | 590,000 | 1,239,000 | 1,911,000 | 2,609,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 228,000 | 389,000 | 535,000 | 708,000 |
| Income tax | 9,000 | 17,000 | 28,000 | 32,000 |
| Net income | 219,000 | 372,000 | 507,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,743,000 | 6,764,000 | 6,806,000 | 7,021,000 |
| Total capital | 7,168,000 | 7,190,000 | 7,202,000 | 7,437,000 |
| Risk-weighted assets | 44,663,000 | 45,630,000 | 45,630,000 | 48,002,000 |