Call reports 2008
COMMERCIAL TRUST COMPANY OF FAYETTE — 2008
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,669,000 | 103,381,000 | 99,760,000 | 104,434,000 |
| Total loans | 71,304,000 | 68,863,000 | 69,452,000 | 66,148,000 |
| Allowance for loan losses | 810,000 | 807,000 | 798,000 | 757,000 |
| Securities available for sale | 18,446,000 | 18,055,000 | 15,532,000 | 12,760,000 |
| Securities held to maturity | 117,000 | 108,000 | 106,000 | 103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,586,000 | 81,243,000 | 79,601,000 | 84,268,000 |
| Interest-bearing deposits | 74,238,000 | 70,967,000 | 70,016,000 | 74,283,000 |
| Noninterest-bearing deposits | 10,348,000 | 10,276,000 | 9,585,000 | 9,985,000 |
| Equity capital | 9,864,000 | 9,916,000 | 9,495,000 | 9,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,560,000 | 2,928,000 | 4,348,000 | 5,690,000 |
| Interest expense | 752,000 | 1,444,000 | 2,041,000 | 2,583,000 |
| Net interest income | 808,000 | 1,484,000 | 2,307,000 | 3,107,000 |
| Noninterest income | 121,000 | 247,000 | 384,000 | 513,000 |
| Noninterest expense | 494,000 | 1,003,000 | 1,530,000 | 2,081,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 435,000 | 728,000 | 856,000 | 1,234,000 |
| Income tax | 15,000 | 15,000 | 15,000 | 15,000 |
| Net income | 420,000 | 713,000 | 841,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,799,000 | 9,876,000 | 9,502,000 | 9,591,000 |
| Total capital | 10,546,000 | 10,683,000 | 10,300,000 | 10,348,000 |
| Risk-weighted assets | 69,743,000 | 68,436,000 | 66,245,000 | 64,007,000 |