Call reports 2003
1ST BANK OF TROY — 2003
What 1ST BANK OF TROY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 17,770,000 | 18,014,000 | 17,433,000 | 18,221,000 |
| Total loans | 8,040,000 | 8,802,000 | 8,948,000 | 7,998,000 |
| Allowance for loan losses | 160,000 | 160,000 | 161,000 | 165,000 |
| Securities available for sale | 8,136,000 | 7,175,000 | 6,682,000 | 6,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,573,000 | 15,876,000 | 15,275,000 | 16,137,000 |
| Interest-bearing deposits | 14,087,000 | 14,400,000 | 13,911,000 | 14,504,000 |
| Noninterest-bearing deposits | 1,486,000 | 1,476,000 | 1,364,000 | 1,633,000 |
| Equity capital | 2,098,000 | 2,056,000 | 2,091,000 | 2,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 233,000 | 454,000 | 677,000 | 899,000 |
| Interest expense | 77,000 | 145,000 | 209,000 | 272,000 |
| Net interest income | 156,000 | 309,000 | 468,000 | 627,000 |
| Noninterest income | 30,000 | 69,000 | 101,000 | 143,000 |
| Noninterest expense | 106,000 | 287,000 | 395,000 | 626,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 80,000 | 91,000 | 174,000 | 139,000 |
| Income tax | 15,000 | 30,000 | 41,000 | 51,000 |
| Net income | 65,000 | 61,000 | 133,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,015,000 | 1,976,000 | 2,048,000 | 2,003,000 |
| Total capital | 2,136,000 | 2,108,000 | 2,181,000 | 2,126,000 |
| Risk-weighted assets | 9,675,000 | 10,570,000 | 10,594,000 | 9,766,000 |