Call reports 2012
COMMERCIAL TRUST COMPANY OF FAYETTE — 2012
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 131,163,000 | 115,440,000 | 121,168,000 | 126,114,000 |
| Total loans | 55,727,000 | 57,375,000 | 58,112,000 | 57,431,000 |
| Allowance for loan losses | 544,000 | 546,000 | 586,000 | 591,000 |
| Securities available for sale | 5,132,000 | 6,490,000 | 12,120,000 | 14,484,000 |
| Securities held to maturity | 57,000 | 54,000 | 52,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,246,000 | 97,359,000 | 103,505,000 | 108,847,000 |
| Interest-bearing deposits | 100,829,000 | 86,431,000 | 92,350,000 | 94,933,000 |
| Noninterest-bearing deposits | 11,417,000 | 10,928,000 | 11,155,000 | 13,914,000 |
| Equity capital | 10,831,000 | 10,962,000 | 11,066,000 | 11,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,802,000 | 2,689,000 | 3,613,000 |
| Interest expense | 296,000 | 545,000 | 782,000 | 992,000 |
| Net interest income | 614,000 | 1,257,000 | 1,907,000 | 2,621,000 |
| Noninterest income | 120,000 | 253,000 | 406,000 | 568,000 |
| Noninterest expense | 576,000 | 1,117,000 | 1,708,000 | 2,271,000 |
| Provision for loan losses | 6,000 | 12,000 | 48,000 | 52,000 |
| Pretax income | 152,000 | 381,000 | 557,000 | 916,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 381,000 | 557,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,716,000 | 10,811,000 | 10,855,000 | 11,081,000 |
| Total capital | 11,264,000 | 11,367,000 | 11,465,000 | 11,671,000 |
| Risk-weighted assets | 49,529,000 | 51,410,000 | 48,342,000 | 47,380,000 |