Call reports 2024
BANK OF COMMERCE AND TRUST COMPANY, THE — 2024
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 111,713,000 | 115,045,000 | 107,594,000 | 111,451,000 |
| Total loans | 51,885,000 | 52,144,000 | 52,173,000 | 52,840,000 |
| Allowance for loan losses | 468,000 | 422,000 | 421,000 | 422,000 |
| Securities available for sale | 38,262,000 | 40,524,000 | 40,549,000 | 40,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,369,000 | 108,633,000 | 99,795,000 | 104,808,000 |
| Interest-bearing deposits | 90,958,000 | 94,355,000 | 85,709,000 | 91,002,000 |
| Noninterest-bearing deposits | 14,411,000 | 14,278,000 | 14,086,000 | 13,806,000 |
| Equity capital | 4,629,000 | 4,685,000 | 5,936,000 | 4,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,664,000 | 4,051,000 | 5,312,000 |
| Interest expense | 517,000 | 1,087,000 | 1,680,000 | 2,276,000 |
| Net interest income | 800,000 | 1,577,000 | 2,371,000 | 3,036,000 |
| Noninterest income | 122,000 | 253,000 | 382,000 | 511,000 |
| Noninterest expense | 719,000 | 1,416,000 | 2,166,000 | 2,818,000 |
| Provision for loan losses | 6,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 199,000 | 394,000 | 570,000 | 714,000 |
| Income tax | 12,000 | 18,000 | 26,000 | 32,000 |
| Net income | 187,000 | 376,000 | 544,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,222,000 | 9,274,000 | 9,380,000 | 9,499,000 |
| Total capital | 9,695,000 | 9,700,000 | 9,806,000 | 9,925,000 |
| Risk-weighted assets | 57,981,000 | 57,385,000 | 56,020,000 | 57,001,000 |