Call reports 2010
1ST BANK OF TROY — 2010
What 1ST BANK OF TROY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 21,309,000 | 21,440,000 | 21,188,000 | 23,440,000 |
| Total loans | 10,996,000 | 11,605,000 | 11,713,000 | 10,690,000 |
| Allowance for loan losses | 174,000 | 155,000 | 111,000 | 112,000 |
| Securities available for sale | 6,945,000 | 6,057,000 | 5,577,000 | 7,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,044,000 | 19,185,000 | 18,933,000 | 21,290,000 |
| Interest-bearing deposits | 16,571,000 | 17,097,000 | 16,890,000 | 18,959,000 |
| Noninterest-bearing deposits | 2,473,000 | 2,088,000 | 2,043,000 | 2,331,000 |
| Equity capital | 2,176,000 | 2,177,000 | 2,163,000 | 2,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 272,000 | 545,000 | 811,000 | 1,074,000 |
| Interest expense | 56,000 | 110,000 | 166,000 | 222,000 |
| Net interest income | 216,000 | 435,000 | 645,000 | 852,000 |
| Noninterest income | 46,000 | 102,000 | 143,000 | 197,000 |
| Noninterest expense | 165,000 | 416,000 | 581,000 | 802,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 120,000 |
| Pretax income | 67,000 | 62,000 | 88,000 | 128,000 |
| Income tax | 13,000 | 25,000 | 37,000 | 49,000 |
| Net income | 54,000 | 37,000 | 51,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,106,000 | 2,090,000 | 2,069,000 | 2,091,000 |
| Total capital | 2,280,000 | 2,245,000 | 2,180,000 | 2,203,000 |
| Risk-weighted assets | 14,419,000 | 14,901,000 | 15,131,000 | 15,538,000 |