Call reports 2017
COMMERCIAL TRUST COMPANY OF FAYETTE — 2017
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 127,430,000 | 124,578,000 | 131,481,000 | 130,213,000 |
| Total loans | 78,890,000 | 79,231,000 | 81,599,000 | 82,111,000 |
| Allowance for loan losses | 526,000 | 529,000 | 529,000 | 516,000 |
| Securities available for sale | 14,613,000 | 14,378,000 | 14,573,000 | 14,129,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,116,000 | 105,816,000 | 112,328,000 | 111,672,000 |
| Interest-bearing deposits | 90,377,000 | 88,424,000 | 87,561,000 | 90,177,000 |
| Noninterest-bearing deposits | 18,739,000 | 17,392,000 | 24,767,000 | 21,495,000 |
| Equity capital | 12,727,000 | 13,138,000 | 13,480,000 | 13,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 2,090,000 | 3,199,000 | 4,323,000 |
| Interest expense | 124,000 | 246,000 | 372,000 | 515,000 |
| Net interest income | 908,000 | 1,844,000 | 2,827,000 | 3,808,000 |
| Noninterest income | 136,000 | 296,000 | 470,000 | 688,000 |
| Noninterest expense | 715,000 | 1,386,000 | 2,073,000 | 2,826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 329,000 | 754,000 | 1,224,000 | 1,670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 754,000 | 1,224,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,729,000 | 13,027,000 | 13,368,000 | 13,062,000 |
| Total capital | 13,255,000 | 13,556,000 | 13,897,000 | 13,578,000 |
| Risk-weighted assets | 64,784,000 | 65,520,000 | 69,268,000 | 70,513,000 |