Call reports 2012
TROY STATE BANK, THE — 2012
What TROY STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 27,337,000 | 26,926,000 | 25,726,000 |
| Total loans | 12,622,000 | 12,965,000 | 12,206,000 |
| Allowance for loan losses | 296,000 | 298,000 | 285,000 |
| Securities available for sale | 13,023,000 | 12,426,000 | 10,062,000 |
| Securities held to maturity | 172,000 | 172,000 | 163,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 23,838,000 | 23,415,000 | 22,679,000 |
| Interest-bearing deposits | 19,914,000 | 19,799,000 | 18,872,000 |
| Noninterest-bearing deposits | 3,924,000 | 3,616,000 | 3,807,000 |
| Equity capital | 2,625,000 | 2,623,000 | 2,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 274,000 | 534,000 | 783,000 |
| Interest expense | 67,000 | 133,000 | 196,000 |
| Net interest income | 207,000 | 401,000 | 587,000 |
| Noninterest income | 22,000 | 42,000 | 58,000 |
| Noninterest expense | 181,000 | 363,000 | 559,000 |
| Provision for loan losses | 5,000 | 9,000 | 20,000 |
| Pretax income | 51,000 | 79,000 | 104,000 |
| Income tax | 2,000 | 3,000 | 4,000 |
| Net income | 49,000 | 76,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 2,433,000 | 2,379,000 | 2,404,000 |
| Total capital | 2,598,000 | 2,549,000 | 2,568,000 |
| Risk-weighted assets | 13,064,000 | 13,493,000 | 12,964,000 |