Call reports 2016
COMMERCIAL TRUST COMPANY OF FAYETTE — 2016
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,529,000 | 122,888,000 | 127,154,000 | 131,370,000 |
| Total loans | 76,354,000 | 76,241,000 | 77,974,000 | 78,657,000 |
| Allowance for loan losses | 521,000 | 520,000 | 517,000 | 522,000 |
| Securities available for sale | 14,530,000 | 15,121,000 | 15,240,000 | 15,192,000 |
| Securities held to maturity | 4,000 | 3,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,578,000 | 104,572,000 | 108,536,000 | 113,273,000 |
| Interest-bearing deposits | 101,155,000 | 90,991,000 | 95,156,000 | 95,654,000 |
| Noninterest-bearing deposits | 16,423,000 | 13,581,000 | 13,380,000 | 17,619,000 |
| Equity capital | 12,354,000 | 12,688,000 | 12,926,000 | 12,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,008,000 | 2,035,000 | 3,065,000 | 4,118,000 |
| Interest expense | 118,000 | 235,000 | 350,000 | 469,000 |
| Net interest income | 890,000 | 1,800,000 | 2,715,000 | 3,649,000 |
| Noninterest income | 141,000 | 281,000 | 452,000 | 615,000 |
| Noninterest expense | 697,000 | 1,373,000 | 2,039,000 | 2,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 334,000 | 712,000 | 1,132,000 | 1,491,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 712,000 | 1,132,000 | 1,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,182,000 | 12,431,000 | 12,722,000 | 12,677,000 |
| Total capital | 12,703,000 | 12,951,000 | 13,239,000 | 13,199,000 |
| Risk-weighted assets | 63,289,000 | 63,483,000 | 64,820,000 | 65,830,000 |