Call reports 2024
COMMERCIAL TRUST COMPANY OF FAYETTE — 2024
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 162,471,000 | 154,336,000 | 151,380,000 | 148,727,000 |
| Total loans | 105,467,000 | 104,913,000 | 103,440,000 | 104,741,000 |
| Allowance for loan losses | 1,240,000 | 1,176,000 | 1,182,000 | 1,113,000 |
| Securities available for sale | 25,283,000 | 25,011,000 | 17,504,000 | 17,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,281,000 | 134,184,000 | 130,524,000 | 129,771,000 |
| Interest-bearing deposits | 118,909,000 | 110,463,000 | 107,964,000 | 109,723,000 |
| Noninterest-bearing deposits | 22,372,000 | 23,721,000 | 22,560,000 | 20,048,000 |
| Equity capital | 15,086,000 | 15,535,000 | 16,207,000 | 15,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,899,000 | 3,906,000 | 5,900,000 | 7,976,000 |
| Interest expense | 738,000 | 1,489,000 | 2,210,000 | 2,937,000 |
| Net interest income | 1,161,000 | 2,417,000 | 3,690,000 | 5,039,000 |
| Noninterest income | 279,000 | 574,000 | 925,000 | 1,240,000 |
| Noninterest expense | 1,011,000 | 2,062,000 | 3,012,000 | 4,182,000 |
| Provision for loan losses | -5,000 | -70,000 | -67,000 | -120,000 |
| Pretax income | 434,000 | 992,000 | 1,665,000 | 2,212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 992,000 | 1,665,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,269,000 | 16,717,000 | 16,877,000 | 16,174,000 |
| Total capital | 17,466,000 | 17,890,000 | — | — |
| Risk-weighted assets | 95,742,000 | 93,888,000 | — | — |