Call reports 2005
1ST BANK OF TROY — 2005
What 1ST BANK OF TROY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,022,000 | 16,730,000 | 16,493,000 | 17,665,000 |
| Total loans | 8,228,000 | 8,273,000 | 8,600,000 | 8,310,000 |
| Allowance for loan losses | 154,000 | 154,000 | 152,000 | 166,000 |
| Securities available for sale | 7,780,000 | 7,212,000 | 6,920,000 | 6,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,040,000 | 14,730,000 | 14,439,000 | 15,652,000 |
| Interest-bearing deposits | 13,617,000 | 13,219,000 | 12,676,000 | 14,000,000 |
| Noninterest-bearing deposits | 1,423,000 | 1,511,000 | 1,763,000 | 1,652,000 |
| Equity capital | 1,941,000 | 1,944,000 | 1,996,000 | 1,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 415,000 | 626,000 | 850,000 |
| Interest expense | 57,000 | 117,000 | 186,000 | 262,000 |
| Net interest income | 147,000 | 298,000 | 440,000 | 588,000 |
| Noninterest income | 32,000 | 63,000 | 107,000 | 149,000 |
| Noninterest expense | 112,000 | 291,000 | 406,000 | 614,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 67,000 | 69,000 | 140,000 | 107,000 |
| Income tax | 11,000 | 16,000 | 21,000 | 26,000 |
| Net income | 56,000 | 53,000 | 119,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,037,000 | 2,004,000 | 2,070,000 | 2,032,000 |
| Total capital | 2,163,000 | 2,129,000 | 2,197,000 | 2,158,000 |
| Risk-weighted assets | 10,020,000 | 9,972,000 | 10,151,000 | 10,050,000 |