Call reports 2016
TRUSTCO BANK — 2016
What TRUSTCO BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,766,611,000 | 4,831,199,000 | 4,811,565,000 | 4,865,840,000 |
| Total loans | 3,301,403,000 | 3,343,193,000 | 3,387,632,000 | 3,430,588,000 |
| Allowance for loan losses | 44,398,000 | 44,064,000 | 43,950,000 | 43,890,000 |
| Securities available for sale | 590,092,000 | 620,470,000 | 654,466,000 | 620,325,000 |
| Securities held to maturity | 53,574,000 | 50,684,000 | 48,029,000 | 45,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,142,501,000 | 4,180,640,000 | 4,168,252,000 | 4,196,176,000 |
| Interest-bearing deposits | 3,783,580,000 | 3,804,149,000 | 3,788,193,000 | 3,818,513,000 |
| Noninterest-bearing deposits | 358,921,000 | 376,491,000 | 380,059,000 | 377,663,000 |
| Equity capital | 410,658,000 | 417,751,000 | 422,596,000 | 419,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 40,026,000 | 80,232,000 | 120,737,000 | 161,358,000 |
| Interest expense | 3,867,000 | 7,799,000 | 11,660,000 | 15,402,000 |
| Net interest income | 36,159,000 | 72,433,000 | 109,077,000 | 145,956,000 |
| Noninterest income | 6,076,000 | 12,185,000 | 18,144,000 | 24,033,000 |
| Noninterest expense | 24,587,000 | 49,481,000 | 73,610,000 | 97,775,000 |
| Provision for loan losses | 800,000 | 1,600,000 | 2,350,000 | 2,950,000 |
| Pretax income | 16,848,000 | 34,205,000 | 51,929,000 | 69,932,000 |
| Income tax | 6,222,000 | 12,708,000 | 19,420,000 | 26,266,000 |
| Net income | 10,626,000 | 21,497,000 | 32,509,000 | 43,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 410,033,000 | 414,803,000 | 419,715,000 | 424,802,000 |
| Total capital | 439,733,000 | 444,920,000 | 450,546,000 | 455,772,000 |
| Risk-weighted assets | 2,361,038,000 | 2,395,088,000 | 2,453,051,000 | 2,464,403,000 |