Call reports 2006
COMMERCIAL TRUST COMPANY OF FAYETTE — 2006
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 87,059,000 | 86,217,000 | 87,249,000 | 90,040,000 |
| Total loans | 69,950,000 | 70,116,000 | 71,563,000 | 73,225,000 |
| Allowance for loan losses | 984,000 | 970,000 | 970,000 | 959,000 |
| Securities available for sale | 9,951,000 | 9,543,000 | 9,845,000 | 9,873,000 |
| Securities held to maturity | 164,000 | 161,000 | 145,000 | 139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,377,000 | 68,605,000 | 69,652,000 | 72,525,000 |
| Interest-bearing deposits | 60,935,000 | 60,071,000 | 61,088,000 | 63,238,000 |
| Noninterest-bearing deposits | 9,442,000 | 8,534,000 | 8,565,000 | 9,287,000 |
| Equity capital | 9,963,000 | 9,932,000 | 9,942,000 | 9,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,536,000 | 3,838,000 | 5,135,000 |
| Interest expense | 473,000 | 961,000 | 1,502,000 | 2,085,000 |
| Net interest income | 774,000 | 1,575,000 | 2,336,000 | 3,050,000 |
| Noninterest income | 114,000 | 255,000 | 378,000 | 505,000 |
| Noninterest expense | 487,000 | 962,000 | 1,445,000 | 2,065,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 380,000 | 847,000 | 1,248,000 | 1,469,000 |
| Income tax | 134,000 | 299,000 | 443,000 | 513,000 |
| Net income | 246,000 | 548,000 | 805,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,871,000 | 9,852,000 | 9,942,000 | 9,870,000 |
| Total capital | 10,574,000 | 10,536,000 | 10,648,000 | 10,596,000 |
| Risk-weighted assets | 55,958,000 | 55,533,000 | 56,238,000 | 57,882,000 |
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