Call reports 2003
COMMERCIAL TRUST COMPANY OF FAYETTE — 2003
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,857,000 | 89,520,000 | 89,412,000 | 89,274,000 |
| Total loans | 59,067,000 | 60,004,000 | 62,175,000 | 63,407,000 |
| Allowance for loan losses | 957,000 | 1,021,000 | 1,023,000 | 1,011,000 |
| Securities available for sale | 17,789,000 | 18,382,000 | 17,447,000 | 15,928,000 |
| Securities held to maturity | 260,000 | 256,000 | 252,000 | 231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,549,000 | 70,015,000 | 70,097,000 | 70,330,000 |
| Interest-bearing deposits | 63,250,000 | 62,416,000 | 62,411,000 | 63,248,000 |
| Noninterest-bearing deposits | 6,299,000 | 7,599,000 | 7,686,000 | 7,082,000 |
| Equity capital | 12,163,000 | 12,216,000 | 12,090,000 | 11,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,370,000 | 3,496,000 | 4,624,000 |
| Interest expense | 423,000 | 820,000 | 1,177,000 | 1,517,000 |
| Net interest income | 777,000 | 1,550,000 | 2,319,000 | 3,107,000 |
| Noninterest income | 84,000 | 211,000 | 302,000 | 393,000 |
| Noninterest expense | 448,000 | 888,000 | 1,350,000 | 1,823,000 |
| Provision for loan losses | 6,000 | 12,000 | 14,000 | 14,000 |
| Pretax income | 407,000 | 861,000 | 1,257,000 | 1,675,000 |
| Income tax | 139,000 | 297,000 | 445,000 | 579,000 |
| Net income | 268,000 | 564,000 | 812,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,871,000 | 11,871,000 | 11,820,000 | 11,827,000 |
| Total capital | 12,495,000 | 12,541,000 | 12,510,000 | 12,512,000 |
| Risk-weighted assets | 49,606,000 | 53,230,000 | 54,860,000 | 54,470,000 |