Call reports 2002
COMMERCIAL TRUST COMPANY OF FAYETTE — 2002
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 89,271,000 | 86,478,000 | 86,037,000 | 87,613,000 |
| Total loans | 57,963,000 | 57,973,000 | 59,032,000 | 59,561,000 |
| Allowance for loan losses | 889,000 | 913,000 | 966,000 | 946,000 |
| Securities available for sale | 23,032,000 | 23,556,000 | 20,260,000 | 18,217,000 |
| Securities held to maturity | 289,000 | 277,000 | 269,000 | 263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,145,000 | 68,331,000 | 66,443,000 | 68,344,000 |
| Interest-bearing deposits | 65,829,000 | 62,374,000 | 60,122,000 | 61,855,000 |
| Noninterest-bearing deposits | 5,316,000 | 5,957,000 | 6,321,000 | 6,489,000 |
| Equity capital | 12,116,000 | 12,240,000 | 12,248,000 | 12,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,784,000 | 4,110,000 | 5,410,000 |
| Interest expense | 617,000 | 1,131,000 | 1,607,000 | 2,064,000 |
| Net interest income | 782,000 | 1,653,000 | 2,503,000 | 3,346,000 |
| Noninterest income | 75,000 | 156,000 | 231,000 | 320,000 |
| Noninterest expense | 440,000 | 876,000 | 1,318,000 | 1,806,000 |
| Provision for loan losses | 6,000 | 12,000 | 66,000 | 72,000 |
| Pretax income | 411,000 | 921,000 | 1,436,000 | 1,874,000 |
| Income tax | 139,000 | 314,000 | 493,000 | 635,000 |
| Net income | 272,000 | 607,000 | 943,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,869,000 | 11,870,000 | 11,867,000 | 11,871,000 |
| Total capital | 12,518,000 | 12,523,000 | 12,496,000 | 12,504,000 |
| Risk-weighted assets | 50,137,000 | 49,949,000 | 49,979,000 | 50,355,000 |