Call reports 2011
COMMERCIAL TRUST COMPANY OF FAYETTE — 2011
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 119,705,000 | 112,513,000 | 119,657,000 | 120,850,000 |
| Total loans | 54,825,000 | 55,066,000 | 56,828,000 | 56,613,000 |
| Allowance for loan losses | 594,000 | 553,000 | 550,000 | 528,000 |
| Securities available for sale | 5,077,000 | 5,622,000 | 5,621,000 | 5,533,000 |
| Securities held to maturity | 67,000 | 65,000 | 62,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,020,000 | 92,640,000 | 99,716,000 | 101,875,000 |
| Interest-bearing deposits | 85,448,000 | 82,319,000 | 87,357,000 | 89,737,000 |
| Noninterest-bearing deposits | 14,572,000 | 10,321,000 | 12,359,000 | 12,138,000 |
| Equity capital | 10,617,000 | 10,767,000 | 10,806,000 | 10,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 934,000 | 1,903,000 | 2,858,000 | 3,812,000 |
| Interest expense | 318,000 | 630,000 | 939,000 | 1,234,000 |
| Net interest income | 616,000 | 1,273,000 | 1,919,000 | 2,578,000 |
| Noninterest income | 157,000 | 272,000 | 415,000 | 551,000 |
| Noninterest expense | 554,000 | 1,094,000 | 1,702,000 | 2,254,000 |
| Provision for loan losses | 0 | 0 | 17,000 | 23,000 |
| Pretax income | 219,000 | 451,000 | 615,000 | 853,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 451,000 | 615,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,587,000 | 10,690,000 | 10,716,000 | 10,829,000 |
| Total capital | 11,183,000 | 11,248,000 | 11,266,000 | 11,357,000 |
| Risk-weighted assets | 49,635,000 | 48,022,000 | 50,195,000 | 52,453,000 |