Call reports 2004
1ST BANK OF TROY — 2004
What 1ST BANK OF TROY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 17,929,000 | 17,771,000 | 17,061,000 | 18,089,000 |
| Total loans | 7,810,000 | 8,126,000 | 8,521,000 | 8,011,000 |
| Allowance for loan losses | 163,000 | 163,000 | 167,000 | 170,000 |
| Securities available for sale | 8,290,000 | 7,790,000 | 7,428,000 | 7,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,810,000 | 15,807,000 | 15,006,000 | 16,085,000 |
| Interest-bearing deposits | 14,134,000 | 14,104,000 | 13,726,000 | 14,218,000 |
| Noninterest-bearing deposits | 1,676,000 | 1,703,000 | 1,280,000 | 1,867,000 |
| Equity capital | 2,060,000 | 1,930,000 | 2,015,000 | 1,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 198,000 | 393,000 | 597,000 | 800,000 |
| Interest expense | 55,000 | 103,000 | 156,000 | 208,000 |
| Net interest income | 143,000 | 290,000 | 441,000 | 592,000 |
| Noninterest income | 33,000 | 65,000 | 101,000 | 127,000 |
| Noninterest expense | 113,000 | 289,000 | 406,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 63,000 | 67,000 | 137,000 | 120,000 |
| Income tax | 11,000 | 21,000 | 32,000 | 42,000 |
| Net income | 52,000 | 46,000 | 105,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,020,000 | 1,984,000 | 2,043,000 | 2,016,000 |
| Total capital | 2,142,000 | 2,109,000 | 2,172,000 | 2,142,000 |
| Risk-weighted assets | 9,679,000 | 9,997,000 | 10,303,000 | 10,060,000 |