Call reports 2003
TROY STATE BANK, THE — 2003
What TROY STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,496,000 | 20,615,000 | 20,446,000 | 20,613,000 |
| Total loans | 12,903,000 | 12,703,000 | 12,643,000 | 12,234,000 |
| Allowance for loan losses | 182,000 | 237,000 | 238,000 | 240,000 |
| Securities available for sale | 6,257,000 | 6,665,000 | 6,466,000 | 6,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,363,000 | 17,352,000 | 16,945,000 | 17,461,000 |
| Interest-bearing deposits | 15,855,000 | 15,870,000 | 15,335,000 | 15,685,000 |
| Noninterest-bearing deposits | 1,508,000 | 1,482,000 | 1,610,000 | 1,776,000 |
| Equity capital | 1,769,000 | 1,848,000 | 1,753,000 | 1,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 614,000 | 918,000 | 1,215,000 |
| Interest expense | 127,000 | 249,000 | 365,000 | 476,000 |
| Net interest income | 185,000 | 365,000 | 553,000 | 739,000 |
| Noninterest income | 26,000 | 55,000 | 91,000 | 124,000 |
| Noninterest expense | 143,000 | 286,000 | 466,000 | 647,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 105,000 | 176,000 | 226,000 | 260,000 |
| Income tax | 36,000 | 54,000 | 61,000 | 58,000 |
| Net income | 69,000 | 122,000 | 165,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,738,000 | 1,772,000 | 1,797,000 | 1,835,000 |
| Total capital | 1,904,000 | 1,936,000 | 1,959,000 | 1,993,000 |
| Risk-weighted assets | 13,301,000 | 13,053,000 | 12,918,000 | 12,610,000 |
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