Call reports 2008
TROY STATE BANK, THE — 2008
What TROY STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 23,592,000 | 23,492,000 | 22,670,000 | 24,357,000 |
| Total loans | 13,391,000 | 13,639,000 | 13,558,000 | 13,119,000 |
| Allowance for loan losses | 217,000 | 221,000 | 236,000 | 220,000 |
| Securities available for sale | 8,877,000 | 8,618,000 | 7,959,000 | 8,578,000 |
| Securities held to maturity | 203,000 | 203,000 | 195,000 | 195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,098,000 | 20,017,000 | 19,278,000 | 20,800,000 |
| Interest-bearing deposits | 17,773,000 | 17,669,000 | 17,032,000 | 18,028,000 |
| Noninterest-bearing deposits | 2,325,000 | 2,348,000 | 2,246,000 | 2,773,000 |
| Equity capital | 2,284,000 | 2,156,000 | 2,195,000 | 2,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 395,000 | 776,000 | 1,151,000 | 1,524,000 |
| Interest expense | 174,000 | 334,000 | 489,000 | 634,000 |
| Net interest income | 221,000 | 442,000 | 662,000 | 890,000 |
| Noninterest income | 33,000 | 56,000 | 80,000 | 105,000 |
| Noninterest expense | 160,000 | 318,000 | 475,000 | 687,000 |
| Provision for loan losses | 8,000 | 17,000 | 26,000 | 35,000 |
| Pretax income | 86,000 | 163,000 | 241,000 | 273,000 |
| Income tax | 25,000 | 43,000 | 62,000 | 62,000 |
| Net income | 61,000 | 120,000 | 179,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,193,000 | 2,222,000 | 2,254,000 | 2,261,000 |
| Total capital | 2,369,000 | 2,403,000 | 2,433,000 | 2,438,000 |
| Risk-weighted assets | 14,226,000 | 14,547,000 | 14,281,000 | 14,084,000 |
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