Call reports 2006
TROY STATE BANK, THE — 2006
What TROY STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,440,000 | 20,866,000 | 20,782,000 | 21,539,000 |
| Total loans | 13,851,000 | 13,947,000 | 14,101,000 | 13,428,000 |
| Allowance for loan losses | 230,000 | 236,000 | 240,000 | 247,000 |
| Securities available for sale | 5,642,000 | 5,238,000 | 5,211,000 | 5,740,000 |
| Securities held to maturity | 0 | 216,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,377,000 | 17,537,000 | 16,542,000 | 18,193,000 |
| Interest-bearing deposits | 15,238,000 | 15,595,000 | 14,564,000 | 16,272,000 |
| Noninterest-bearing deposits | 2,139,000 | 1,942,000 | 1,978,000 | 1,921,000 |
| Equity capital | 1,933,000 | 1,930,000 | 1,983,000 | 2,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 672,000 | 984,000 | 1,327,000 |
| Interest expense | 138,000 | 282,000 | 432,000 | 599,000 |
| Net interest income | 197,000 | 390,000 | 552,000 | 728,000 |
| Noninterest income | 33,000 | 67,000 | 95,000 | 125,000 |
| Noninterest expense | 159,000 | 315,000 | 476,000 | 642,000 |
| Provision for loan losses | 5,000 | 11,000 | 17,000 | 23,000 |
| Pretax income | 66,000 | 131,000 | 154,000 | 188,000 |
| Income tax | 17,000 | 31,000 | 25,000 | 24,000 |
| Net income | 49,000 | 100,000 | 129,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,000,000 | 2,030,000 | 2,035,000 | 2,056,000 |
| Total capital | 2,175,000 | 2,208,000 | 2,214,000 | 2,231,000 |
| Risk-weighted assets | 13,920,000 | 14,161,000 | 14,296,000 | 13,903,000 |
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