Call reports 2005
TROY STATE BANK, THE — 2005
What TROY STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,466,000 | 21,334,000 | 21,319,000 | 22,143,000 |
| Total loans | 12,710,000 | 13,779,000 | 14,279,000 | 13,536,000 |
| Allowance for loan losses | 230,000 | 233,000 | 219,000 | 226,000 |
| Securities available for sale | 6,190,000 | 6,024,000 | 5,831,000 | 5,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,757,000 | 17,770,000 | 16,994,000 | 18,868,000 |
| Interest-bearing deposits | 16,057,000 | 15,735,000 | 14,823,000 | 16,314,000 |
| Noninterest-bearing deposits | 1,700,000 | 2,035,000 | 2,172,000 | 2,554,000 |
| Equity capital | 1,827,000 | 1,913,000 | 1,927,000 | 1,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 291,000 | 602,000 | 929,000 | 1,256,000 |
| Interest expense | 113,000 | 237,000 | 366,000 | 502,000 |
| Net interest income | 178,000 | 365,000 | 563,000 | 754,000 |
| Noninterest income | 33,000 | 65,000 | 94,000 | 124,000 |
| Noninterest expense | 157,000 | 312,000 | 475,000 | 655,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 14,000 |
| Pretax income | 51,000 | 107,000 | 162,000 | 198,000 |
| Income tax | 10,000 | 19,000 | 27,000 | 30,000 |
| Net income | 41,000 | 88,000 | 135,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,903,000 | 1,930,000 | 1,957,000 | 1,970,000 |
| Total capital | 2,067,000 | 2,108,000 | 2,139,000 | 2,131,000 |
| Risk-weighted assets | 13,024,000 | 14,167,000 | 14,509,000 | 13,917,000 |
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