Call reports 2009
TROY STATE BANK, THE — 2009
What TROY STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 25,398,000 | 25,021,000 | 24,858,000 | 26,219,000 |
| Total loans | 13,555,000 | 13,830,000 | 13,869,000 | 13,298,000 |
| Allowance for loan losses | 145,000 | 158,000 | 216,000 | 197,000 |
| Securities available for sale | 9,542,000 | 9,947,000 | 9,712,000 | 9,668,000 |
| Securities held to maturity | 195,000 | 195,000 | 188,000 | 188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,870,000 | 21,297,000 | 20,475,000 | 22,700,000 |
| Interest-bearing deposits | 18,403,000 | 18,424,000 | 17,679,000 | 19,393,000 |
| Noninterest-bearing deposits | 3,467,000 | 2,873,000 | 2,796,000 | 3,307,000 |
| Equity capital | 2,405,000 | 2,398,000 | 2,462,000 | 2,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 697,000 | 1,037,000 | 1,367,000 |
| Interest expense | 134,000 | 253,000 | 369,000 | 480,000 |
| Net interest income | 221,000 | 444,000 | 668,000 | 887,000 |
| Noninterest income | 21,000 | 44,000 | 69,000 | 89,000 |
| Noninterest expense | 172,000 | 355,000 | 519,000 | 687,000 |
| Provision for loan losses | 33,000 | 48,000 | 113,000 | 193,000 |
| Pretax income | 37,000 | 85,000 | 105,000 | 96,000 |
| Income tax | 17,000 | 33,000 | 50,000 | 8,000 |
| Net income | 20,000 | 52,000 | 55,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,281,000 | 2,304,000 | 2,302,000 | 2,335,000 |
| Total capital | 2,426,000 | 2,462,000 | 2,484,000 | 2,512,000 |
| Risk-weighted assets | 14,453,000 | 14,324,000 | 14,503,000 | 14,158,000 |