Call reports 2007
TROY STATE BANK, THE — 2007
What TROY STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 21,294,000 | 21,335,000 | 21,747,000 | 23,591,000 |
| Total loans | 13,610,000 | 13,972,000 | 14,358,000 | 13,842,000 |
| Allowance for loan losses | 247,000 | 234,000 | 241,000 | 221,000 |
| Securities available for sale | 6,369,000 | 6,233,000 | 6,260,000 | 7,559,000 |
| Securities held to maturity | 210,000 | 210,000 | 203,000 | 203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,934,000 | 18,014,000 | 18,205,000 | 20,302,000 |
| Interest-bearing deposits | 16,018,000 | 16,344,000 | 16,335,000 | 18,121,000 |
| Noninterest-bearing deposits | 1,916,000 | 1,670,000 | 1,870,000 | 2,181,000 |
| Equity capital | 2,027,000 | 2,014,000 | 2,096,000 | 2,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 726,000 | 1,103,000 | 1,489,000 |
| Interest expense | 174,000 | 354,000 | 531,000 | 714,000 |
| Net interest income | 180,000 | 372,000 | 572,000 | 775,000 |
| Noninterest income | 27,000 | 54,000 | 80,000 | 104,000 |
| Noninterest expense | 158,000 | 314,000 | 475,000 | 629,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 27,000 | 84,000 | 143,000 | 210,000 |
| Income tax | 3,000 | 11,000 | 22,000 | 38,000 |
| Net income | 24,000 | 73,000 | 121,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,060,000 | 2,097,000 | 2,125,000 | 2,156,000 |
| Total capital | 2,235,000 | 2,278,000 | 2,312,000 | 2,340,000 |
| Risk-weighted assets | 13,931,000 | 14,401,000 | 14,889,000 | 14,713,000 |
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