Call reports 2025
COMMERCIAL TRUST COMPANY OF FAYETTE — 2025
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 157,778,000 | 155,571,000 | 158,461,000 | 150,189,000 |
| Total loans | 103,893,000 | 107,570,000 | 107,602,000 | 106,533,000 |
| Allowance for loan losses | 1,120,000 | 1,094,000 | 1,085,000 | 1,013,000 |
| Securities available for sale | 16,551,000 | 16,560,000 | 16,771,000 | 8,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,007,000 | 137,354,000 | 139,868,000 | 132,110,000 |
| Interest-bearing deposits | 118,273,000 | 116,329,000 | 117,163,000 | 108,021,000 |
| Noninterest-bearing deposits | 21,734,000 | 21,025,000 | 22,705,000 | 24,089,000 |
| Equity capital | 15,650,000 | 16,084,000 | 16,436,000 | 15,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,031,000 | 4,155,000 | 6,245,000 | 8,333,000 |
| Interest expense | 727,000 | 1,452,000 | 2,174,000 | 2,845,000 |
| Net interest income | 1,304,000 | 2,703,000 | 4,071,000 | 5,488,000 |
| Noninterest income | 352,000 | 730,000 | 1,164,000 | 1,502,000 |
| Noninterest expense | 1,286,000 | 2,530,000 | 3,708,000 | 5,005,000 |
| Provision for loan losses | -5,000 | -28,000 | -37,000 | -110,000 |
| Pretax income | 375,000 | 932,000 | 1,563,000 | 2,095,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 375,000 | 932,000 | 1,563,000 | 2,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,359,000 | 16,659,000 | 16,779,000 | 16,310,000 |
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