Call reports 2015
TRUSTCO BANK — 2015
What TRUSTCO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,743,792,000 | 4,741,949,000 | 4,728,239,000 | 4,733,655,000 |
| Total loans | 3,193,623,000 | 3,242,946,000 | 3,282,004,000 | 3,293,328,000 |
| Allowance for loan losses | 45,944,000 | 45,571,000 | 45,149,000 | 44,762,000 |
| Securities available for sale | 666,816,000 | 689,628,000 | 624,512,000 | 601,002,000 |
| Securities held to maturity | 67,260,000 | 63,543,000 | 59,998,000 | 56,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,117,183,000 | 4,137,454,000 | 4,096,806,000 | 4,100,392,000 |
| Interest-bearing deposits | 3,770,201,000 | 3,781,684,000 | 3,742,644,000 | 3,735,509,000 |
| Noninterest-bearing deposits | 346,982,000 | 355,770,000 | 354,162,000 | 364,883,000 |
| Equity capital | 389,622,000 | 391,466,000 | 400,604,000 | 401,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 39,325,000 | 79,053,000 | 119,194,000 | 159,344,000 |
| Interest expense | 4,188,000 | 8,270,000 | 12,386,000 | 16,298,000 |
| Net interest income | 35,137,000 | 70,783,000 | 106,808,000 | 143,046,000 |
| Noninterest income | 5,756,000 | 11,750,000 | 17,527,000 | 23,852,000 |
| Noninterest expense | 22,858,000 | 45,777,000 | 70,862,000 | 95,516,000 |
| Provision for loan losses | 800,000 | 1,600,000 | 2,400,000 | 3,700,000 |
| Pretax income | 17,484,000 | 35,405,000 | 51,322,000 | 67,933,000 |
| Income tax | 6,541,000 | 13,278,000 | 18,710,000 | 24,927,000 |
| Net income | 10,943,000 | 22,127,000 | 32,612,000 | 43,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 391,756,000 | 396,840,000 | 401,225,000 | 405,506,000 |
| Total capital | 421,522,000 | 426,486,000 | 430,979,000 | 435,149,000 |
| Risk-weighted assets | 2,364,784,000 | 2,355,427,000 | 2,364,601,000 | 2,355,988,000 |