Call reports 2020
COMMERCIAL TRUST COMPANY OF FAYETTE — 2020
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 132,364,000 | 146,652,000 | 152,283,000 | 156,614,000 |
| Total loans | 94,881,000 | 98,453,000 | 96,021,000 | 91,045,000 |
| Allowance for loan losses | 473,000 | 540,000 | 571,000 | 603,000 |
| Securities available for sale | 9,571,000 | 9,928,000 | 10,761,000 | 10,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,035,000 | 122,501,000 | 127,915,000 | 131,909,000 |
| Interest-bearing deposits | 96,053,000 | 102,528,000 | 105,300,000 | 109,895,000 |
| Noninterest-bearing deposits | 17,982,000 | 19,973,000 | 22,615,000 | 22,014,000 |
| Equity capital | 13,219,000 | 13,819,000 | 13,986,000 | 14,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,558,000 | 3,797,000 | 5,101,000 |
| Interest expense | 252,000 | 443,000 | 629,000 | 816,000 |
| Net interest income | 1,043,000 | 2,115,000 | 3,168,000 | 4,285,000 |
| Noninterest income | 212,000 | 533,000 | 930,000 | 1,481,000 |
| Noninterest expense | 857,000 | 1,683,000 | 2,579,000 | 3,478,000 |
| Provision for loan losses | 15,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 383,000 | 885,000 | 1,409,000 | 2,148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 383,000 | 885,000 | 1,409,000 | 2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,249,000 | 13,495,000 | 13,635,000 | 14,245,000 |