Call reports 2012
1ST BANK OF TROY — 2012
What 1ST BANK OF TROY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 26,250,000 | 24,513,000 | 24,290,000 | 27,939,000 |
| Total loans | 10,704,000 | 10,886,000 | 10,799,000 | 10,017,000 |
| Allowance for loan losses | 202,000 | 202,000 | 225,000 | 4,000 |
| Securities available for sale | 8,613,000 | 8,123,000 | 7,311,000 | 9,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,036,000 | 22,317,000 | 22,052,000 | 25,545,000 |
| Interest-bearing deposits | 20,851,000 | 19,254,000 | 18,852,000 | 21,187,000 |
| Noninterest-bearing deposits | 3,185,000 | 3,063,000 | 3,200,000 | 4,358,000 |
| Equity capital | 2,161,000 | 2,140,000 | 2,185,000 | 2,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 490,000 | 747,000 | 971,000 |
| Interest expense | 40,000 | 72,000 | 100,000 | 125,000 |
| Net interest income | 214,000 | 418,000 | 647,000 | 846,000 |
| Noninterest income | 48,000 | 95,000 | 151,000 | 197,000 |
| Noninterest expense | 187,000 | 462,000 | 680,000 | 1,018,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 86,000 |
| Pretax income | 56,000 | 53,000 | 121,000 | -28,000 |
| Income tax | 3,000 | 17,000 | 32,000 | 59,000 |
| Net income | 53,000 | 36,000 | 89,000 | -87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,117,000 | 2,066,000 | 2,119,000 | 2,387,000 |
| Total capital | 2,319,000 | 2,268,000 | 2,335,000 | 2,391,000 |
| Risk-weighted assets | 18,039,000 | 17,422,000 | 17,283,000 | 17,672,000 |