Call reports 2007
1ST BANK OF TROY — 2007
What 1ST BANK OF TROY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 17,610,000 | 17,522,000 | 17,718,000 | 19,460,000 |
| Total loans | 8,672,000 | 8,578,000 | 9,063,000 | 8,617,000 |
| Allowance for loan losses | 172,000 | 172,000 | 171,000 | 176,000 |
| Securities available for sale | 7,104,000 | 7,556,000 | 6,953,000 | 7,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,444,000 | 15,437,000 | 15,471,000 | 17,211,000 |
| Interest-bearing deposits | 13,695,000 | 13,853,000 | 13,700,000 | 15,459,000 |
| Noninterest-bearing deposits | 1,749,000 | 1,584,000 | 1,771,000 | 1,752,000 |
| Equity capital | 2,067,000 | 2,002,000 | 2,144,000 | 2,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 278,000 | 558,000 | 845,000 | 1,141,000 |
| Interest expense | 123,000 | 247,000 | 371,000 | 490,000 |
| Net interest income | 155,000 | 311,000 | 474,000 | 651,000 |
| Noninterest income | 41,000 | 80,000 | 124,000 | 158,000 |
| Noninterest expense | 121,000 | 320,000 | 443,000 | 687,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 75,000 | 71,000 | 155,000 | 118,000 |
| Income tax | 5,000 | 11,000 | 19,000 | 29,000 |
| Net income | 70,000 | 60,000 | 136,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,083,000 | 2,043,000 | 2,119,000 | 2,062,000 |
| Total capital | 2,213,000 | 2,172,000 | 2,253,000 | 2,196,000 |
| Risk-weighted assets | 10,320,000 | 10,302,000 | 10,721,000 | 10,691,000 |