Call reports 2020
BANK OF COMMERCE AND TRUST COMPANY, THE — 2020
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 85,117,000 | 90,371,000 | 88,039,000 | 95,192,000 |
| Total loans | 45,682,000 | 47,503,000 | 46,238,000 | 43,738,000 |
| Allowance for loan losses | 416,000 | 436,000 | 432,000 | 463,000 |
| Securities available for sale | 26,960,000 | 29,404,000 | 28,803,000 | 37,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,405,000 | 80,175,000 | 77,613,000 | 84,684,000 |
| Interest-bearing deposits | 64,556,000 | 66,332,000 | 64,618,000 | 70,495,000 |
| Noninterest-bearing deposits | 11,849,000 | 13,843,000 | 12,995,000 | 14,189,000 |
| Equity capital | 7,357,000 | 8,719,000 | 8,934,000 | 9,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,758,000 | 2,649,000 | 3,474,000 |
| Interest expense | 167,000 | 320,000 | 460,000 | 587,000 |
| Net interest income | 707,000 | 1,438,000 | 2,189,000 | 2,887,000 |
| Noninterest income | 121,000 | 217,000 | 316,000 | 379,000 |
| Noninterest expense | 697,000 | 1,398,000 | 2,092,000 | 2,669,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 40,000 |
| Pretax income | 215,000 | 449,000 | 761,000 | 927,000 |
| Income tax | 9,000 | 21,000 | 35,000 | 39,000 |
| Net income | 206,000 | 428,000 | 726,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,267,000 | 7,331,000 | 7,652,000 | 7,716,000 |
| Total capital | 7,683,000 | 7,767,000 | 8,084,000 | — |
| Risk-weighted assets | 48,034,000 | 50,299,000 | 49,472,000 | — |