Call reports 2011
1ST BANK OF TROY — 2011
What 1ST BANK OF TROY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 22,918,000 | 22,307,000 | 22,487,000 | 24,975,000 |
| Total loans | 10,419,000 | 10,849,000 | 11,363,000 | 11,294,000 |
| Allowance for loan losses | 142,000 | 172,000 | 172,000 | 172,000 |
| Securities available for sale | 7,832,000 | 6,389,000 | 6,157,000 | 6,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,759,000 | 20,098,000 | 20,197,000 | 22,730,000 |
| Interest-bearing deposits | 18,201,000 | 17,708,000 | 17,932,000 | 19,487,000 |
| Noninterest-bearing deposits | 2,558,000 | 2,390,000 | 2,265,000 | 3,243,000 |
| Equity capital | 2,107,000 | 2,110,000 | 2,191,000 | 2,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 260,000 | 517,000 | 781,000 | 1,043,000 |
| Interest expense | 51,000 | 100,000 | 147,000 | 193,000 |
| Net interest income | 209,000 | 417,000 | 634,000 | 850,000 |
| Noninterest income | 46,000 | 101,000 | 151,000 | 209,000 |
| Noninterest expense | 165,000 | 435,000 | 616,000 | 881,000 |
| Provision for loan losses | 30,000 | 55,000 | 79,000 | 79,000 |
| Pretax income | 60,000 | 32,000 | 94,000 | 103,000 |
| Income tax | 12,000 | 12,000 | 2,000 | 5,000 |
| Net income | 48,000 | 20,000 | 92,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,104,000 | 2,041,000 | 2,114,000 | 2,105,000 |
| Total capital | 2,246,000 | 2,213,000 | 2,286,000 | 2,277,000 |
| Risk-weighted assets | 15,234,000 | 16,382,000 | 16,463,000 | 17,979,000 |