Call reports 2008
1ST BANK OF TROY — 2008
What 1ST BANK OF TROY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 19,881,000 | 19,165,000 | 18,773,000 | 20,354,000 |
| Total loans | 8,591,000 | 9,530,000 | 10,100,000 | 9,954,000 |
| Allowance for loan losses | 176,000 | 175,000 | 176,000 | 196,000 |
| Securities available for sale | 9,522,000 | 8,371,000 | 7,521,000 | 7,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,369,000 | 16,882,000 | 16,400,000 | 17,922,000 |
| Interest-bearing deposits | 15,128,000 | 14,960,000 | 14,387,000 | 15,910,000 |
| Noninterest-bearing deposits | 2,241,000 | 1,922,000 | 2,013,000 | 2,012,000 |
| Equity capital | 2,326,000 | 2,181,000 | 2,272,000 | 2,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 591,000 | 884,000 | 1,173,000 |
| Interest expense | 115,000 | 211,000 | 299,000 | 376,000 |
| Net interest income | 187,000 | 380,000 | 585,000 | 797,000 |
| Noninterest income | 51,000 | 96,000 | 148,000 | 190,000 |
| Noninterest expense | 133,000 | 343,000 | 499,000 | 841,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 105,000 | 136,000 | 244,000 | 135,000 |
| Income tax | 10,000 | 21,000 | 33,000 | 44,000 |
| Net income | 95,000 | 115,000 | 211,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,122,000 | 2,106,000 | 2,203,000 | 2,078,000 |
| Total capital | 2,258,000 | 2,250,000 | 2,351,000 | 2,232,000 |
| Risk-weighted assets | 10,814,000 | 11,456,000 | 11,820,000 | 12,268,000 |