Call reports 2005
COMMERCIAL TRUST COMPANY OF FAYETTE — 2005
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,161,000 | 80,502,000 | 81,758,000 | 85,198,000 |
| Total loans | 65,410,000 | 65,273,000 | 66,116,000 | 68,438,000 |
| Allowance for loan losses | 932,000 | 968,000 | 963,000 | 986,000 |
| Securities available for sale | 12,579,000 | 10,093,000 | 9,718,000 | 10,538,000 |
| Securities held to maturity | 184,000 | 182,000 | 178,000 | 168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,250,000 | 63,643,000 | 64,967,000 | 68,542,000 |
| Interest-bearing deposits | 57,304,000 | 55,273,000 | 56,057,000 | 59,837,000 |
| Noninterest-bearing deposits | 7,946,000 | 8,369,000 | 8,910,000 | 8,705,000 |
| Equity capital | 10,047,000 | 10,056,000 | 10,052,000 | 9,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,080,000 | 2,224,000 | 3,360,000 | 4,576,000 |
| Interest expense | 334,000 | 689,000 | 1,073,000 | 1,499,000 |
| Net interest income | 746,000 | 1,535,000 | 2,287,000 | 3,077,000 |
| Noninterest income | 113,000 | 219,000 | 342,000 | 463,000 |
| Noninterest expense | 443,000 | 882,000 | 1,364,000 | 2,020,000 |
| Provision for loan losses | 8,000 | 40,000 | 58,000 | 80,000 |
| Pretax income | 414,000 | 834,000 | 1,209,000 | 1,442,000 |
| Income tax | 148,000 | 298,000 | 431,000 | 513,000 |
| Net income | 266,000 | 536,000 | 778,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,902,000 | 9,914,000 | 9,899,000 | 9,964,000 |
| Total capital | 10,583,000 | 10,573,000 | 10,567,000 | 10,647,000 |
| Risk-weighted assets | 54,191,000 | 52,394,000 | 53,177,000 | 54,361,000 |