Call reports 2002
1ST BANK OF TROY — 2002
What 1ST BANK OF TROY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,070,000 | 18,150,000 | 17,741,000 | 18,734,000 |
| Total loans | 6,962,000 | 7,347,000 | 7,733,000 | 7,455,000 |
| Allowance for loan losses | 152,000 | 152,000 | 144,000 | 161,000 |
| Securities available for sale | 8,851,000 | 8,481,000 | 8,134,000 | 8,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,889,000 | 15,956,000 | 15,471,000 | 16,526,000 |
| Interest-bearing deposits | 14,570,000 | 14,690,000 | 14,167,000 | 15,209,000 |
| Noninterest-bearing deposits | 1,319,000 | 1,266,000 | 1,304,000 | 1,317,000 |
| Equity capital | 2,074,000 | 2,082,000 | 2,153,000 | 2,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 536,000 | 796,000 | 1,046,000 |
| Interest expense | 112,000 | 213,000 | 312,000 | 402,000 |
| Net interest income | 158,000 | 323,000 | 484,000 | 644,000 |
| Noninterest income | 33,000 | 60,000 | 86,000 | 115,000 |
| Noninterest expense | 110,000 | 293,000 | 397,000 | 612,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 81,000 | 90,000 | 173,000 | 142,000 |
| Income tax | 10,000 | 25,000 | 40,000 | 55,000 |
| Net income | 71,000 | 65,000 | 133,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,004,000 | 1,963,000 | 2,031,000 | 1,985,000 |
| Total capital | 2,119,000 | 2,082,000 | 2,151,000 | 2,103,000 |
| Risk-weighted assets | 9,176,000 | 9,509,000 | 9,546,000 | 9,422,000 |