Call reports 2009
COMMERCIAL TRUST COMPANY OF FAYETTE — 2009
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,396,000 | 97,374,000 | 99,403,000 | 104,922,000 |
| Total loans | 62,419,000 | 60,486,000 | 59,652,000 | 59,117,000 |
| Allowance for loan losses | 725,000 | 699,000 | 692,000 | 690,000 |
| Securities available for sale | 11,395,000 | 12,332,000 | 6,276,000 | 5,950,000 |
| Securities held to maturity | 101,000 | 98,000 | 83,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,945,000 | 76,651,000 | 79,296,000 | 83,440,000 |
| Interest-bearing deposits | 75,825,000 | 66,759,000 | 70,773,000 | 72,832,000 |
| Noninterest-bearing deposits | 10,120,000 | 9,892,000 | 8,523,000 | 10,608,000 |
| Equity capital | 9,845,000 | 10,095,000 | 10,416,000 | 10,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,178,000 | 2,345,000 | 3,461,000 | 4,529,000 |
| Interest expense | 538,000 | 1,039,000 | 1,514,000 | 1,954,000 |
| Net interest income | 640,000 | 1,306,000 | 1,947,000 | 2,575,000 |
| Noninterest income | 113,000 | 234,000 | 361,000 | 481,000 |
| Noninterest expense | 523,000 | 1,054,000 | 1,602,000 | 2,188,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 415,000 | 496,000 | 593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 415,000 | 496,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,839,000 | 10,090,000 | 10,391,000 | 10,396,000 |
| Total capital | 10,564,000 | 10,789,000 | 11,053,000 | 11,053,000 |
| Risk-weighted assets | 62,369,000 | 58,410,000 | 52,898,000 | 52,499,000 |