Call reports 2006
1ST BANK OF TROY — 2006
What 1ST BANK OF TROY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 17,712,000 | 17,242,000 | 16,659,000 | 18,478,000 |
| Total loans | 8,328,000 | 8,866,000 | 9,130,000 | 8,700,000 |
| Allowance for loan losses | 166,000 | 167,000 | 167,000 | 172,000 |
| Securities available for sale | 7,770,000 | 6,992,000 | 6,147,000 | 6,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,663,000 | 15,240,000 | 14,526,000 | 16,377,000 |
| Interest-bearing deposits | 13,961,000 | 13,385,000 | 12,897,000 | 14,224,000 |
| Noninterest-bearing deposits | 1,702,000 | 1,855,000 | 1,629,000 | 2,153,000 |
| Equity capital | 1,981,000 | 1,938,000 | 2,055,000 | 2,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 237,000 | 488,000 | 749,000 | 1,019,000 |
| Interest expense | 90,000 | 188,000 | 293,000 | 407,000 |
| Net interest income | 147,000 | 300,000 | 456,000 | 612,000 |
| Noninterest income | 43,000 | 81,000 | 116,000 | 154,000 |
| Noninterest expense | 119,000 | 308,000 | 426,000 | 653,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 71,000 | 73,000 | 146,000 | 108,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 22,000 |
| Net income | 66,000 | 62,000 | 130,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,063,000 | 2,029,000 | 2,097,000 | 2,048,000 |
| Total capital | 2,190,000 | 2,160,000 | 2,228,000 | 2,180,000 |
| Risk-weighted assets | 10,101,000 | 10,416,000 | 10,476,000 | 10,481,000 |