Call reports 2012
TRUSTCO BANK — 2012
What TRUSTCO BANK 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 | 4,378,951,000 | 4,426,065,000 | 4,326,250,000 | 4,347,132,000 |
| Total loans | 2,524,306,000 | 2,559,614,000 | 2,605,934,000 | 2,684,727,000 |
| Allowance for loan losses | 48,535,000 | 48,018,000 | 47,364,000 | 47,927,000 |
| Securities available for sale | 1,084,697,000 | 1,108,413,000 | 1,052,818,000 | 912,081,000 |
| Securities held to maturity | 178,941,000 | 168,755,000 | 155,951,000 | 143,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,851,354,000 | 3,898,663,000 | 3,776,466,000 | 3,804,206,000 |
| Interest-bearing deposits | 3,567,965,000 | 3,611,746,000 | 3,483,291,000 | 3,502,462,000 |
| Noninterest-bearing deposits | 283,389,000 | 286,917,000 | 293,175,000 | 301,744,000 |
| Equity capital | 339,385,000 | 344,093,000 | 351,168,000 | 351,691,000 |
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 | 39,293,000 | 78,594,000 | 117,352,000 | 154,963,000 |
| Interest expense | 5,926,000 | 11,378,000 | 15,996,000 | 20,050,000 |
| Net interest income | 33,367,000 | 67,216,000 | 101,356,000 | 134,913,000 |
| Noninterest income | 4,140,000 | 8,488,000 | 12,811,000 | 20,369,000 |
| Noninterest expense | 20,600,000 | 41,135,000 | 61,342,000 | 84,405,000 |
| Provision for loan losses | 3,100,000 | 6,100,000 | 9,000,000 | 12,000,000 |
| Pretax income | 14,484,000 | 29,201,000 | 45,223,000 | 61,038,000 |
| Income tax | 5,363,000 | 10,804,000 | 16,946,000 | 22,805,000 |
| Net income | 9,121,000 | 18,397,000 | 28,277,000 | 38,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 338,779,000 | 341,956,000 | 345,737,000 | 349,580,000 |
| Total capital | 365,730,000 | 369,066,000 | 372,745,000 | 376,565,000 |
| Risk-weighted assets | 2,134,497,000 | 2,147,628,000 | 2,140,028,000 | 2,137,631,000 |
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