Call reports 2009
1ST BANK OF TROY — 2009
What 1ST BANK OF TROY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 19,095,000 | 19,490,000 | 19,174,000 | 21,140,000 |
| Total loans | 10,033,000 | 10,754,000 | 11,223,000 | 10,964,000 |
| Allowance for loan losses | 196,000 | 196,000 | 204,000 | 203,000 |
| Securities available for sale | 6,979,000 | 5,992,000 | 5,673,000 | 6,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,673,000 | 17,110,000 | 16,733,000 | 18,874,000 |
| Interest-bearing deposits | 14,627,000 | 14,848,000 | 14,720,000 | 16,431,000 |
| Noninterest-bearing deposits | 2,046,000 | 2,262,000 | 2,013,000 | 2,443,000 |
| Equity capital | 2,293,000 | 2,259,000 | 2,335,000 | 2,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 277,000 | 553,000 | 835,000 | 1,121,000 |
| Interest expense | 65,000 | 124,000 | 179,000 | 240,000 |
| Net interest income | 212,000 | 429,000 | 656,000 | 881,000 |
| Noninterest income | 45,000 | 96,000 | 145,000 | 188,000 |
| Noninterest expense | 155,000 | 403,000 | 563,000 | 844,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 88,000 |
| Pretax income | 102,000 | 129,000 | 237,000 | 144,000 |
| Income tax | 11,000 | 29,000 | 42,000 | 55,000 |
| Net income | 91,000 | 100,000 | 195,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,134,000 | 2,109,000 | 2,204,000 | 2,087,000 |
| Total capital | 2,290,000 | 2,272,000 | 2,369,000 | 2,267,000 |
| Risk-weighted assets | 12,408,000 | 12,986,000 | 13,169,000 | 14,377,000 |