Commercial Trust Company of Fayette in Fayette, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Commercial Trust Company of Fayette - Overview

  • General
  • FDIC Certificate #: 9791
    Status: Active
    Federal Reserve ID: 709451
    Bank Holding Company (Regulatory Top Holder): Harris Taubman Financial Corporation (RSSDID: 2313049, Location: Fayette, MO)
    Date Established: January 01, 1903
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11511
    FDIC's unique #: 6270
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 North Main Street, Fayette, MO 65248
    County: Howard
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $120.8 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $101.9 mil
    Return on assets (ROA): 0.74% ($0.9 mil)
    Quarterly return on assets: 0.79% ($1.0 mil)
    Return on Equity (ROE): 7.93% ($0.9 mil)
    Quarterly return on equity: 8.76% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.74% ($894.3 mil)
    Quarterly Pretax return on assets: 0.79% ($954.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $120,850Total assets
  • $56,540Cash and due from depository institutions
  • $53,802Interest-bearing balances
  • $5,593Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,084Net loans & leases
  • $528Loan loss allowance
  • $0Trading account assets
  • $1,257Bank premises and fixed assets
  • $30Other real estate owned
  • $0Goodwill and other intangibles
  • $120,850Life insurance assets
  • $1,346All other assets
  • $109,919Total liabilities and capital
  • $101,875Total liabilities
  • $89,737Total deposits
  • $101,875Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $44Subordinated debt
  • $10,931All other liabilities
  • $10,931Total equity capital
  • $10,931Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $260Surplus
  • $10,571Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21Income earned, not collected on loans
  • $0Earning assets
  • $363Long-term assets (5+ years)
  • $115,479Average Assets, year-to-date
  • $3,481Average Assets, quarterly
  • $115,328Volatile liabilities
  • $120,254Insider loans
  • $52,453FHLB advances
  • $118,834Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,829Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,256Restructured Loans and leases
  • $296Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,812Total interest income
  • $1,234Total interest expense
  • $2,578Net interest income
  • $23Provision for loan and lease losses
  • $551Total noninterest income
  • $58Fiduciary activities
  • $217Service charges on deposit accounts
  • $0Trading account gains & fees
  • $276Additional noninterest income
  • $2,254Total noninterest expense
  • $1,227Salaries and employee benefits
  • $409Premises and equipment expense
  • $618Additional noninterest expense
  • $852Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $853Income before extraordinary items
  • $0Extraordinary gains - net
  • $853Net income attributable to bank
  • $0Net charge-offs
  • $853Cash dividends
  • $96Sale, conversion, retirement of capital stock, net
  • $651Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.44%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 2.33%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 7.93%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 23.96%Credit loss provision to net charge-offs
  • 9.11%Efficiency ratio
  • 72,036Assets per employee
  • 4.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.32%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 2514.29%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 55.05%Net loans and leases to core deposits
  • 55.73%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 20.65%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $115,328Average earning assets
  • $10,752Average equity
  • $110,880Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,147Managed Assets
  • 1Number of Accounts
  • $8,147Personal trust and agency accounts
  • $8,147Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 11Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06270Commercial Trust Company Of Fayette119 North Main Street, Fayette, MO 65248January 01, 1903Full Service Brick and Mortar
    2444367Commercial Trust Company - Harrisbur180 West Sexton Road, Harrisburg, MO 65256September 07, 2005Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Commercial Trust Company of Fayette.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents