Call reports 2025
BANK OF COMMERCE AND TRUST COMPANY, THE — 2025
What BANK OF COMMERCE AND TRUST COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 110,768,000 | 105,852,000 | 107,010,000 | 115,992,000 |
| Total loans | 52,172,000 | 50,059,000 | 50,558,000 | 49,679,000 |
| Allowance for loan losses | 432,000 | 449,000 | 449,000 | 440,000 |
| Securities available for sale | 41,202,000 | 41,391,000 | 42,898,000 | 44,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,627,000 | 98,682,000 | 98,683,000 | 107,444,000 |
| Interest-bearing deposits | 89,495,000 | 84,822,000 | 84,187,000 | 92,944,000 |
| Noninterest-bearing deposits | 14,132,000 | 13,860,000 | 14,496,000 | 14,500,000 |
| Equity capital | 5,395,000 | 5,345,000 | 6,522,000 | 6,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,324,000 | 2,636,000 | 3,890,000 | 5,177,000 |
| Interest expense | 523,000 | 1,000,000 | 1,489,000 | 1,959,000 |
| Net interest income | 801,000 | 1,636,000 | 2,401,000 | 3,218,000 |
| Noninterest income | 120,000 | 235,000 | 339,000 | 464,000 |
| Noninterest expense | 713,000 | 1,351,000 | 2,099,000 | 2,887,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 197,000 | 501,000 | 625,000 | 777,000 |
| Income tax | 9,000 | 23,000 | 30,000 | 33,000 |
| Net income | 188,000 | 478,000 | 595,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,605,000 | 9,635,000 | 9,758,000 | 9,795,000 |
| Total capital | 10,042,000 | 10,089,000 | 10,211,000 | 10,240,000 |
| Risk-weighted assets | 57,516,000 | 55,309,000 | 56,034,000 | 55,169,000 |