Commercial Trust Company of Fayette

Commercial Trust Company of Fayette is headquartered in Fayette and is the 161^st largest bank in the state of Missouri. It is also the 4,219^st largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 27 employees at 2 locations. Commercial Trust Company of Fayette has a 5-star health rating.

Data for Q1 2012

Institution Statistics Commercial Trust Company of Fayette FDIC Certificate # 9791 BankRate Report View Year Established 1903 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $131.16 million Loans $55.18 million Deposits $112.25 million Equity Capital $10.83 million Loan Loss Allowance $544,000 Unbacked Noncurrent Loans $20,000 Real Estate Owned $30,000 Historic Data - March 2011 Assets $119.71 million Equity Capital $10.62 million Loan Loss Allowance $594,000 Unbacked Noncurrent Loans $246,000 Real Estate Owned $175,000 Profit Margin - Quarterly Net Interest Margin 2.08% Return on Assets 0.48% Return on Equity 5.59% Interest Income $910,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Commercial Trust Company of Fayette had $50,000 in non-current loans and owned real-estate with $11.38 million in equity and loan loss allowances on hand to cover it. This gives Commercial Trust Company of Fayette a Texas Ratio of 0.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commercial Trust Company of Fayette decreased significantly from 3.76% as of March 31, 2011 to 0.44% as of March 31, 2012, resulting in a positive change of 88.29%.This indicates that the balance sheet and financial strength for Commercial Trust Company of Fayette has improved significantly in recent periods. Deposit Growth In the past year, Commercial Trust Company of Fayette has increased its total deposits by $12.23 million, resulting in 12.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commercial Trust Company of Fayette has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commercial Trust Company of Fayette has $131.16 million in assets with $11.38 million in equity, resulting in a capitalization level of 8.67%, which is average.

No reviews have been left for this bank yet. Be the first to review.