Call reports 2013
TRUSTCO BANK — 2013
What TRUSTCO BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,409,575,000 | 4,442,378,000 | 4,462,663,000 | 4,522,056,000 |
| Total loans | 2,703,761,000 | 2,762,553,000 | 2,835,098,000 | 2,908,938,000 |
| Allowance for loan losses | 47,658,000 | 47,589,000 | 47,722,000 | 47,714,000 |
| Securities available for sale | 1,077,474,000 | 878,178,000 | 908,435,000 | 863,744,000 |
| Securities held to maturity | 117,973,000 | 98,789,000 | 91,278,000 | 86,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,857,694,000 | 3,892,889,000 | 3,894,382,000 | 3,927,085,000 |
| Interest-bearing deposits | 3,559,701,000 | 3,578,101,000 | 3,579,851,000 | 3,608,993,000 |
| Noninterest-bearing deposits | 297,993,000 | 314,788,000 | 314,531,000 | 318,092,000 |
| Equity capital | 353,204,000 | 340,540,000 | 345,771,000 | 352,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 37,470,000 | 74,800,000 | 112,684,000 | 151,047,000 |
| Interest expense | 3,886,000 | 7,700,000 | 11,503,000 | 15,374,000 |
| Net interest income | 33,584,000 | 67,100,000 | 101,181,000 | 135,673,000 |
| Noninterest income | 5,741,000 | 11,342,000 | 17,092,000 | 23,437,000 |
| Noninterest expense | 22,421,000 | 44,853,000 | 66,590,000 | 88,680,000 |
| Provision for loan losses | 2,000,000 | 4,000,000 | 5,500,000 | 7,000,000 |
| Pretax income | 14,906,000 | 31,023,000 | 47,617,000 | 65,052,000 |
| Income tax | 5,565,000 | 11,585,000 | 17,756,000 | 24,265,000 |
| Net income | 9,341,000 | 19,438,000 | 29,861,000 | 40,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 352,820,000 | 356,818,000 | 361,140,000 | 365,954,000 |
| Total capital | 380,361,000 | 384,253,000 | 389,178,000 | 394,200,000 |
| Risk-weighted assets | 2,182,911,000 | 2,174,349,000 | 2,223,003,000 | 2,239,843,000 |
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