Call reports 2004
TROY STATE BANK, THE — 2004
What TROY STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,505,000 | 20,584,000 | 20,454,000 | 21,520,000 |
| Total loans | 12,248,000 | 12,630,000 | 12,976,000 | 12,304,000 |
| Allowance for loan losses | 243,000 | 242,000 | 241,000 | 240,000 |
| Securities available for sale | 7,008,000 | 6,512,000 | 6,045,000 | 6,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,271,000 | 17,558,000 | 17,088,000 | 18,390,000 |
| Interest-bearing deposits | 15,315,000 | 15,630,000 | 15,511,000 | 16,251,000 |
| Noninterest-bearing deposits | 1,956,000 | 1,928,000 | 1,577,000 | 2,139,000 |
| Equity capital | 1,917,000 | 1,757,000 | 1,883,000 | 1,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 576,000 | 870,000 | 1,155,000 |
| Interest expense | 109,000 | 216,000 | 329,000 | 441,000 |
| Net interest income | 181,000 | 360,000 | 541,000 | 714,000 |
| Noninterest income | 30,000 | 62,000 | 96,000 | 128,000 |
| Noninterest expense | 155,000 | 313,000 | 472,000 | 659,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 53,000 | 103,000 | 147,000 | 162,000 |
| Income tax | 3,000 | 10,000 | 15,000 | 11,000 |
| Net income | 50,000 | 93,000 | 132,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,865,000 | 1,878,000 | 1,888,000 | 1,882,000 |
| Total capital | 2,025,000 | 2,043,000 | 2,056,000 | 2,044,000 |
| Risk-weighted assets | 12,663,000 | 13,159,000 | 13,358,000 | 12,856,000 |
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