For what it's worth, an additional thought: While thinking about odds, you should ask yourself whether the odds are greater of having this scenario questioned by an examiner if you file the CTR for $10,040 or don't file. And, if questioned, which option would be easier to defend. If you consider those questions honestly and practically, I bet you'd file.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8