Call reports 2017
TRUSTCO BANK — 2017
What TRUSTCO BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 4,884,135,000 | 4,921,637,000 | 4,870,545,000 | 4,907,575,000 |
| Total loans | 3,448,936,000 | 3,507,472,000 | 3,578,280,000 | 3,636,404,000 |
| Allowance for loan losses | 44,048,000 | 44,162,000 | 44,082,000 | 44,170,000 |
| Securities available for sale | 647,524,000 | 605,422,000 | 580,394,000 | 571,929,000 |
| Securities held to maturity | 43,270,000 | 41,207,000 | 29,268,000 | 27,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,198,482,000 | 4,208,429,000 | 4,165,374,000 | 4,173,337,000 |
| Interest-bearing deposits | 3,824,643,000 | 3,818,418,000 | 3,768,457,000 | 3,774,869,000 |
| Noninterest-bearing deposits | 373,839,000 | 390,011,000 | 396,917,000 | 398,468,000 |
| Equity capital | 424,756,000 | 433,224,000 | 440,803,000 | 443,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 41,052,000 | 83,160,000 | 125,948,000 | 168,960,000 |
| Interest expense | 3,678,000 | 7,271,000 | 10,909,000 | 14,701,000 |
| Net interest income | 37,374,000 | 75,889,000 | 115,039,000 | 154,259,000 |
| Noninterest income | 6,191,000 | 12,397,000 | 18,934,000 | 24,623,000 |
| Noninterest expense | 25,202,000 | 49,246,000 | 73,373,000 | 97,535,000 |
| Provision for loan losses | 600,000 | 1,150,000 | 1,700,000 | 2,000,000 |
| Pretax income | 17,763,000 | 37,895,000 | 58,913,000 | 79,360,000 |
| Income tax | 6,653,000 | 14,191,000 | 22,061,000 | 34,773,000 |
| Net income | 11,110,000 | 23,704,000 | 36,852,000 | 44,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 429,771,000 | 436,264,000 | 443,310,000 | 444,933,000 |
| Total capital | 460,920,000 | 467,832,000 | 474,669,000 | 476,942,000 |
| Risk-weighted assets | 2,478,776,000 | 2,512,545,000 | 2,495,722,000 | 2,548,374,000 |