Call reports 2011
TROY STATE BANK, THE — 2011
What TROY STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 26,066,000 | 26,662,000 | 26,726,000 | 28,131,000 |
| Total loans | 12,883,000 | 13,646,000 | 14,501,000 | 13,443,000 |
| Allowance for loan losses | 203,000 | 212,000 | 219,000 | 290,000 |
| Securities available for sale | 11,289,000 | 11,513,000 | 10,802,000 | 10,628,000 |
| Securities held to maturity | 180,000 | 180,000 | 172,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,568,000 | 23,096,000 | 22,569,000 | 24,593,000 |
| Interest-bearing deposits | 19,347,000 | 19,658,000 | 19,479,000 | 21,340,000 |
| Noninterest-bearing deposits | 3,221,000 | 3,438,000 | 3,090,000 | 3,253,000 |
| Equity capital | 2,572,000 | 2,646,000 | 2,676,000 | 2,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 594,000 | 902,000 | 1,161,000 |
| Interest expense | 84,000 | 163,000 | 241,000 | 314,000 |
| Net interest income | 205,000 | 431,000 | 661,000 | 847,000 |
| Noninterest income | 16,000 | 40,000 | 66,000 | 89,000 |
| Noninterest expense | 183,000 | 367,000 | 542,000 | 719,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 111,000 |
| Pretax income | 29,000 | 86,000 | 165,000 | 119,000 |
| Income tax | 1,000 | 4,000 | 7,000 | 52,000 |
| Net income | 28,000 | 82,000 | 158,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,440,000 | 2,448,000 | 2,485,000 | 2,394,000 |
| Total capital | 2,605,000 | 2,619,000 | 2,665,000 | 2,570,000 |
| Risk-weighted assets | 13,150,000 | 13,648,000 | 14,366,000 | 13,967,000 |