Call reports 2013
COMMERCIAL TRUST COMPANY OF FAYETTE — 2013
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,495,000 | 127,916,000 | 132,524,000 | 133,131,000 |
| Total loans | 57,446,000 | 58,445,000 | 61,104,000 | 63,216,000 |
| Allowance for loan losses | 599,000 | 596,000 | 569,000 | 574,000 |
| Securities available for sale | 15,740,000 | 15,563,000 | 15,728,000 | 15,730,000 |
| Securities held to maturity | 47,000 | 32,000 | 30,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,706,000 | 109,480,000 | 112,746,000 | 113,343,000 |
| Interest-bearing deposits | 103,902,000 | 96,133,000 | 98,425,000 | 101,254,000 |
| Noninterest-bearing deposits | 13,804,000 | 13,347,000 | 14,321,000 | 12,089,000 |
| Equity capital | 11,211,000 | 10,801,000 | 11,117,000 | 11,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,745,000 | 2,632,000 | 3,541,000 |
| Interest expense | 162,000 | 334,000 | 499,000 | 660,000 |
| Net interest income | 705,000 | 1,411,000 | 2,133,000 | 2,881,000 |
| Noninterest income | 130,000 | 278,000 | 405,000 | 552,000 |
| Noninterest expense | 563,000 | 1,141,000 | 1,732,000 | 2,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 551,000 | 809,000 | 1,107,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 272,000 | 551,000 | 809,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,070,000 | 11,220,000 | 11,350,000 | 11,434,000 |
| Total capital | 11,666,000 | 11,816,000 | 11,919,000 | 12,008,000 |
| Risk-weighted assets | 47,700,000 | 48,908,000 | 51,255,000 | 52,583,000 |