Call reports 2014
TRUSTCO BANK — 2014
What TRUSTCO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 4,574,225,000 | 4,590,700,000 | 4,582,068,000 | 4,643,460,000 |
| Total loans | 2,940,998,000 | 3,006,146,000 | 3,083,026,000 | 3,158,329,000 |
| Allowance for loan losses | 47,035,000 | 46,935,000 | 46,512,000 | 46,327,000 |
| Securities available for sale | 741,282,000 | 811,735,000 | 722,588,000 | 676,724,000 |
| Securities held to maturity | 82,136,000 | 77,926,000 | 74,179,000 | 70,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,987,231,000 | 3,995,200,000 | 3,985,054,000 | 4,032,254,000 |
| Interest-bearing deposits | 3,659,795,000 | 3,670,971,000 | 3,657,499,000 | 3,699,917,000 |
| Noninterest-bearing deposits | 327,436,000 | 324,229,000 | 327,555,000 | 332,337,000 |
| Equity capital | 362,203,000 | 375,060,000 | 379,019,000 | 382,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 38,447,000 | 77,601,000 | 117,176,000 | 156,940,000 |
| Interest expense | 3,814,000 | 7,514,000 | 11,462,000 | 15,586,000 |
| Net interest income | 34,633,000 | 70,087,000 | 105,714,000 | 141,354,000 |
| Noninterest income | 6,891,000 | 15,228,000 | 21,038,000 | 26,860,000 |
| Noninterest expense | 21,548,000 | 44,277,000 | 67,393,000 | 90,402,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,100,000 | 5,100,000 |
| Pretax income | 18,482,000 | 38,044,000 | 55,641,000 | 73,429,000 |
| Income tax | 7,234,000 | 14,681,000 | 21,322,000 | 28,059,000 |
| Net income | 11,248,000 | 23,363,000 | 34,319,000 | 45,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 371,103,000 | 377,118,000 | 381,972,000 | 386,913,000 |
| Total capital | 399,166,000 | 405,798,000 | 410,956,000 | 416,267,000 |
| Risk-weighted assets | 2,225,730,000 | 2,275,746,000 | 2,300,854,000 | 2,330,939,000 |
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