Call reports 2023
COMMERCIAL TRUST COMPANY OF FAYETTE — 2023
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 176,579,000 | 170,453,000 | 159,694,000 | 151,649,000 |
| Total loans | 110,383,000 | 108,303,000 | 106,714,000 | 109,215,000 |
| Allowance for loan losses | 1,270,000 | 1,216,000 | 1,353,000 | 1,268,000 |
| Securities available for sale | 40,832,000 | 40,688,000 | 32,492,000 | 31,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,920,000 | 150,272,000 | 139,445,000 | 130,702,000 |
| Interest-bearing deposits | 131,676,000 | 125,046,000 | 115,452,000 | 108,581,000 |
| Noninterest-bearing deposits | 24,244,000 | 25,226,000 | 23,993,000 | 22,121,000 |
| Equity capital | 14,073,000 | 14,087,000 | 14,137,000 | 14,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,883,000 | 3,749,000 | 5,610,000 | 7,479,000 |
| Interest expense | 649,000 | 1,401,000 | 2,120,000 | 2,820,000 |
| Net interest income | 1,234,000 | 2,348,000 | 3,490,000 | 4,659,000 |
| Noninterest income | 229,000 | 485,000 | 822,000 | 1,154,000 |
| Noninterest expense | 944,000 | 1,907,000 | 2,892,000 | 3,798,000 |
| Provision for loan losses | 0 | 12,000 | 150,000 | 104,000 |
| Pretax income | 519,000 | 914,000 | 1,270,000 | 1,911,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 914,000 | 1,270,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,887,000 | 16,027,000 | 16,255,000 | 16,112,000 |
| Total capital | 17,085,000 | — | — | — |
| Risk-weighted assets | 95,784,000 | — | — | — |
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