Call reports 2010
TROY STATE BANK, THE — 2010
What TROY STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 24,376,000 | 23,880,000 | 24,054,000 | 25,819,000 |
| Total loans | 12,699,000 | 12,602,000 | 13,784,000 | 13,278,000 |
| Allowance for loan losses | 200,000 | 203,000 | 208,000 | 214,000 |
| Securities available for sale | 10,239,000 | 9,659,000 | 8,755,000 | 9,636,000 |
| Securities held to maturity | 188,000 | 188,000 | 180,000 | 180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,555,000 | 19,875,000 | 20,152,000 | 22,311,000 |
| Interest-bearing deposits | 18,122,000 | 17,791,000 | 18,026,000 | 19,511,000 |
| Noninterest-bearing deposits | 2,434,000 | 2,084,000 | 2,126,000 | 2,800,000 |
| Equity capital | 2,468,000 | 2,576,000 | 2,605,000 | 2,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 617,000 | 922,000 | 1,213,000 |
| Interest expense | 100,000 | 198,000 | 292,000 | 384,000 |
| Net interest income | 210,000 | 419,000 | 630,000 | 829,000 |
| Noninterest income | 20,000 | 45,000 | 73,000 | 99,000 |
| Noninterest expense | 184,000 | 359,000 | 538,000 | 726,000 |
| Provision for loan losses | 108,000 | 122,000 | 131,000 | 140,000 |
| Pretax income | -37,000 | 11,000 | 70,000 | 98,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 12,000 |
| Net income | -38,000 | 9,000 | 67,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,297,000 | 2,344,000 | 2,391,000 | 2,411,000 |
| Total capital | 2,459,000 | 2,505,000 | 2,564,000 | 2,577,000 |
| Risk-weighted assets | 12,882,000 | 12,832,000 | 13,782,000 | 13,234,000 |