Call reports 2015
COMMERCIAL TRUST COMPANY OF FAYETTE — 2015
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,445,000 | 125,799,000 | 126,331,000 | 124,729,000 |
| Total loans | 69,388,000 | 71,121,000 | 73,948,000 | 75,846,000 |
| Allowance for loan losses | 566,000 | 569,000 | 497,000 | 517,000 |
| Securities available for sale | 15,425,000 | 15,195,000 | 15,254,000 | 14,702,000 |
| Securities held to maturity | 18,000 | 16,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,997,000 | 108,236,000 | 108,427,000 | 106,931,000 |
| Interest-bearing deposits | 102,712,000 | 95,032,000 | 92,649,000 | 93,904,000 |
| Noninterest-bearing deposits | 14,285,000 | 13,204,000 | 15,778,000 | 13,027,000 |
| Equity capital | 11,862,000 | 11,944,000 | 12,240,000 | 12,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,924,000 | 2,929,000 | 3,944,000 |
| Interest expense | 122,000 | 237,000 | 351,000 | 462,000 |
| Net interest income | 832,000 | 1,687,000 | 2,578,000 | 3,482,000 |
| Noninterest income | 145,000 | 293,000 | 443,000 | 588,000 |
| Noninterest expense | 677,000 | 1,336,000 | 2,035,000 | 2,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 301,000 | 645,000 | 987,000 | 1,403,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 301,000 | 645,000 | 987,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,668,000 | 11,883,000 | 12,097,000 | 12,152,000 |
| Total capital | 12,234,000 | 12,452,000 | 12,594,000 | 12,669,000 |
| Risk-weighted assets | 58,100,000 | 59,940,000 | 61,440,000 | 62,650,000 |