Call reports 2018
COMMERCIAL TRUST COMPANY OF FAYETTE — 2018
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 137,480,000 | 128,356,000 | 128,834,000 | 121,031,000 |
| Total loans | 83,137,000 | 83,603,000 | 87,491,000 | 89,304,000 |
| Allowance for loan losses | 512,000 | 507,000 | 478,000 | 478,000 |
| Securities available for sale | 13,618,000 | 13,500,000 | 12,994,000 | 12,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,306,000 | 109,271,000 | 110,521,000 | 103,144,000 |
| Interest-bearing deposits | 96,729,000 | 87,224,000 | 89,681,000 | 86,795,000 |
| Noninterest-bearing deposits | 20,577,000 | 22,047,000 | 20,840,000 | 16,349,000 |
| Equity capital | 13,074,000 | 13,431,000 | 13,616,000 | 13,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,341,000 | 3,551,000 | 4,785,000 |
| Interest expense | 165,000 | 339,000 | 527,000 | 743,000 |
| Net interest income | 987,000 | 2,002,000 | 3,024,000 | 4,042,000 |
| Noninterest income | 153,000 | 323,000 | 514,000 | 653,000 |
| Noninterest expense | 783,000 | 1,511,000 | 2,229,000 | 2,948,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 10,000 |
| Pretax income | 357,000 | 814,000 | 1,306,000 | 1,737,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 357,000 | 814,000 | 1,306,000 | 1,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,162,000 | 13,493,000 | 13,726,000 | 13,372,000 |
| Total capital | 13,674,000 | 14,000,000 | 14,204,000 | 13,850,000 |
| Risk-weighted assets | 71,413,000 | 70,058,000 | 71,915,000 | 73,315,000 |