Call reports 2014
COMMERCIAL TRUST COMPANY OF FAYETTE — 2014
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 137,979,000 | 129,731,000 | 131,372,000 | 127,034,000 |
| Total loans | 61,394,000 | 64,471,000 | 66,855,000 | 69,343,000 |
| Allowance for loan losses | 573,000 | 580,000 | 580,000 | 569,000 |
| Securities available for sale | 15,154,000 | 15,572,000 | 15,643,000 | 15,579,000 |
| Securities held to maturity | 26,000 | 24,000 | 22,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,047,000 | 109,478,000 | 110,761,000 | 108,383,000 |
| Interest-bearing deposits | 104,264,000 | 95,599,000 | 98,374,000 | 94,864,000 |
| Noninterest-bearing deposits | 13,783,000 | 13,879,000 | 12,387,000 | 13,519,000 |
| Equity capital | 11,342,000 | 11,640,000 | 11,952,000 | 11,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,792,000 | 2,738,000 | 3,709,000 |
| Interest expense | 158,000 | 309,000 | 457,000 | 594,000 |
| Net interest income | 726,000 | 1,483,000 | 2,281,000 | 3,115,000 |
| Noninterest income | 149,000 | 293,000 | 432,000 | 566,000 |
| Noninterest expense | 603,000 | 1,216,000 | 1,805,000 | 2,725,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 560,000 | 908,000 | 956,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 272,000 | 560,000 | 908,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,426,000 | 11,585,000 | 11,803,000 | 11,494,000 |
| Total capital | 11,999,000 | 12,165,000 | 12,383,000 | 12,063,000 |
| Risk-weighted assets | 50,729,000 | 53,358,000 | 55,200,000 | 57,120,000 |