Call reports 2010
COMMERCIAL TRUST COMPANY OF FAYETTE — 2010
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 110,582,000 | 108,180,000 | 111,805,000 | 103,913,000 |
| Total loans | 57,281,000 | 56,244,000 | 56,442,000 | 55,956,000 |
| Allowance for loan losses | 689,000 | 669,000 | 641,000 | 601,000 |
| Securities available for sale | 6,291,000 | 6,304,000 | 4,837,000 | 4,696,000 |
| Securities held to maturity | 77,000 | 74,000 | 73,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,614,000 | 87,536,000 | 91,954,000 | 84,231,000 |
| Interest-bearing deposits | 78,618,000 | 78,474,000 | 82,861,000 | 74,799,000 |
| Noninterest-bearing deposits | 9,996,000 | 9,062,000 | 9,093,000 | 9,432,000 |
| Equity capital | 10,468,000 | 10,529,000 | 10,720,000 | 10,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,064,000 | 3,105,000 | 4,117,000 |
| Interest expense | 439,000 | 867,000 | 1,238,000 | 1,561,000 |
| Net interest income | 595,000 | 1,197,000 | 1,867,000 | 2,556,000 |
| Noninterest income | 111,000 | 267,000 | 418,000 | 559,000 |
| Noninterest expense | 548,000 | 1,128,000 | 1,690,000 | 2,325,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 336,000 | 595,000 | 824,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 336,000 | 595,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,423,000 | 10,456,000 | 10,612,000 | 10,634,000 |
| Total capital | 11,094,000 | 11,115,000 | 11,274,000 | 11,235,000 |
| Risk-weighted assets | 53,660,000 | 52,701,000 | 52,380,000 | 50,958,000 |
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