Call reports 2004
COMMERCIAL TRUST COMPANY OF FAYETTE — 2004
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,425,000 | 85,182,000 | 82,613,000 | 82,526,000 |
| Total loans | 63,653,000 | 62,555,000 | 64,090,000 | 64,849,000 |
| Allowance for loan losses | 976,000 | 971,000 | 958,000 | 945,000 |
| Securities available for sale | 18,336,000 | 16,276,000 | 14,335,000 | 13,882,000 |
| Securities held to maturity | 210,000 | 207,000 | 191,000 | 187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,016,000 | 68,171,000 | 65,595,000 | 65,606,000 |
| Interest-bearing deposits | 62,383,000 | 58,189,000 | 58,094,000 | 58,084,000 |
| Noninterest-bearing deposits | 8,633,000 | 9,982,000 | 7,501,000 | 7,522,000 |
| Equity capital | 12,155,000 | 10,048,000 | 10,132,000 | 10,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,180,000 | 3,263,000 | 4,360,000 |
| Interest expense | 320,000 | 627,000 | 928,000 | 1,249,000 |
| Net interest income | 772,000 | 1,553,000 | 2,335,000 | 3,111,000 |
| Noninterest income | 100,000 | 198,000 | 295,000 | 385,000 |
| Noninterest expense | 415,000 | 833,000 | 1,274,000 | 1,827,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 454,000 | 912,000 | 1,347,000 | 1,657,000 |
| Income tax | 158,000 | 323,000 | 476,000 | 585,000 |
| Net income | 296,000 | 589,000 | 871,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,847,000 | 9,850,000 | 9,938,000 | 9,946,000 |
| Total capital | 12,556,000 | 10,545,000 | 10,641,000 | 10,629,000 |
| Risk-weighted assets | 56,401,000 | 55,357,000 | 55,901,000 | 54,341,000 |