Call reports 2001
COMMERCIAL TRUST COMPANY OF FAYETTE — 2001
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 82,498,000 | 82,210,000 | 83,956,000 | 87,824,000 |
| Total loans | 55,456,000 | 56,464,000 | 57,804,000 | 59,005,000 |
| Allowance for loan losses | 869,000 | 878,000 | 899,000 | 877,000 |
| Securities available for sale | 19,577,000 | 18,846,000 | 19,713,000 | 21,541,000 |
| Securities held to maturity | 426,000 | 356,000 | 333,000 | 292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,041,000 | 66,909,000 | 67,493,000 | 69,661,000 |
| Interest-bearing deposits | 62,272,000 | 61,876,000 | 62,079,000 | 64,217,000 |
| Noninterest-bearing deposits | 4,769,000 | 5,033,000 | 5,414,000 | 5,444,000 |
| Equity capital | 12,235,000 | 12,223,000 | 12,342,000 | 12,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 2,989,000 | 4,440,000 | 5,865,000 |
| Interest expense | 778,000 | 1,518,000 | 2,235,000 | 2,913,000 |
| Net interest income | 717,000 | 1,471,000 | 2,205,000 | 2,952,000 |
| Noninterest income | 139,000 | 217,000 | 307,000 | 420,000 |
| Noninterest expense | 431,000 | 879,000 | 1,320,000 | 1,799,000 |
| Provision for loan losses | 6,000 | 12,000 | 26,000 | 41,000 |
| Pretax income | 419,000 | 797,000 | 1,166,000 | 1,634,000 |
| Income tax | 134,000 | 263,000 | 381,000 | 544,000 |
| Net income | 285,000 | 534,000 | 785,000 | 1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,885,000 | 11,871,000 | 11,881,000 | 11,870,000 |
| Total capital | 12,577,000 | 12,552,000 | 12,620,000 | 12,550,000 |
| Risk-weighted assets | 50,827,000 | 50,805,000 | 51,559,000 | 51,094,000 |