Call reports 2001
1ST BANK OF TROY — 2001
What 1ST BANK OF TROY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 16,604,000 | 17,056,000 | 16,872,000 | 18,011,000 |
| Total loans | 6,644,000 | 7,175,000 | 7,446,000 | 7,093,000 |
| Allowance for loan losses | 148,000 | 148,000 | 148,000 | 158,000 |
| Securities available for sale | 7,682,000 | 7,351,000 | 7,325,000 | 7,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,361,000 | 14,848,000 | 14,513,000 | 15,754,000 |
| Interest-bearing deposits | 12,668,000 | 13,395,000 | 13,019,000 | 14,506,000 |
| Noninterest-bearing deposits | 1,693,000 | 1,453,000 | 1,494,000 | 1,248,000 |
| Equity capital | 2,091,000 | 2,066,000 | 2,188,000 | 2,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 592,000 | 882,000 | 1,160,000 |
| Interest expense | 150,000 | 288,000 | 423,000 | 547,000 |
| Net interest income | 144,000 | 304,000 | 459,000 | 613,000 |
| Noninterest income | 30,000 | 68,000 | 99,000 | 136,000 |
| Noninterest expense | 94,000 | 285,000 | 388,000 | 618,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 80,000 | 87,000 | 170,000 | 121,000 |
| Income tax | 5,000 | 11,000 | 18,000 | 24,000 |
| Net income | 75,000 | 76,000 | 152,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,986,000 | 1,952,000 | 2,028,000 | 1,968,000 |
| Total capital | 2,134,000 | 2,067,000 | 2,145,000 | 2,126,000 |
| Risk-weighted assets | 16,602,000 | 9,183,000 | 9,305,000 | 15,011,000 |