Call reports 2019
COMMERCIAL TRUST COMPANY OF FAYETTE — 2019
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 125,613,000 | 123,158,000 | 130,656,000 | 134,444,000 |
| Total loans | 88,207,000 | 88,665,000 | 90,549,000 | 92,925,000 |
| Allowance for loan losses | 493,000 | 474,000 | 478,000 | 479,000 |
| Securities available for sale | 12,036,000 | 11,062,000 | 10,942,000 | 10,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,798,000 | 106,567,000 | 113,727,000 | 115,829,000 |
| Interest-bearing deposits | 90,342,000 | 84,817,000 | 94,953,000 | 99,310,000 |
| Noninterest-bearing deposits | 17,456,000 | 21,750,000 | 18,774,000 | 16,519,000 |
| Equity capital | 13,209,000 | 13,427,000 | 13,729,000 | 13,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,458,000 | 3,728,000 | 5,002,000 |
| Interest expense | 246,000 | 498,000 | 735,000 | 985,000 |
| Net interest income | 980,000 | 1,960,000 | 2,993,000 | 4,017,000 |
| Noninterest income | 157,000 | 347,000 | 591,000 | 801,000 |
| Noninterest expense | 814,000 | 1,569,000 | 2,296,000 | 3,064,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 308,000 | 708,000 | 1,243,000 | 1,694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 708,000 | 1,243,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,151,000 | 13,294,000 | 13,573,000 | 13,405,000 |
| Total capital | 13,644,000 | 13,768,000 | 14,051,000 | 13,884,000 |
| Risk-weighted assets | 73,132,000 | 72,491,000 | 74,421,000 | 76,129,000 |