Call reports 2023
BANK OF COMMERCE AND TRUST COMPANY, THE — 2023
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 103,089,000 | 102,278,000 | 102,339,000 | 109,637,000 |
| Total loans | 53,521,000 | 52,026,000 | 51,728,000 | 52,774,000 |
| Allowance for loan losses | 458,000 | 458,000 | 459,000 | 467,000 |
| Securities available for sale | 36,578,000 | 36,407,000 | 34,918,000 | 36,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,823,000 | 96,963,000 | 97,551,000 | 103,258,000 |
| Interest-bearing deposits | 82,740,000 | 80,880,000 | 82,090,000 | 88,781,000 |
| Noninterest-bearing deposits | 15,083,000 | 16,082,000 | 15,461,000 | 14,477,000 |
| Equity capital | 3,762,000 | 3,755,000 | 3,108,000 | 4,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,184,000 | 3,359,000 | 4,561,000 |
| Interest expense | 311,000 | 678,000 | 1,121,000 | 1,595,000 |
| Net interest income | 772,000 | 1,506,000 | 2,238,000 | 2,966,000 |
| Noninterest income | 111,000 | 229,000 | 354,000 | 482,000 |
| Noninterest expense | 724,000 | 1,393,000 | 2,149,000 | 2,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 140,000 | 323,000 | 424,000 | 608,000 |
| Income tax | 9,000 | 16,000 | 21,000 | 25,000 |
| Net income | 131,000 | 307,000 | 403,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,735,000 | 8,921,000 | 8,931,000 | 9,121,000 |
| Total capital | 9,200,000 | 9,386,000 | 9,401,000 | 9,594,000 |
| Risk-weighted assets | 55,808,000 | 55,709,000 | 55,395,000 | 57,680,000 |