Call reports 2018
TRUSTCO BANK — 2018
What TRUSTCO BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 4,929,181,000 | 4,940,432,000 | 4,884,620,000 | 4,959,305,000 |
| Total loans | 3,666,972,000 | 3,741,157,000 | 3,825,918,000 | 3,874,096,000 |
| Allowance for loan losses | 44,378,000 | 44,503,000 | 44,737,000 | 44,766,000 |
| Securities available for sale | 559,047,000 | 526,982,000 | 507,847,000 | 501,427,000 |
| Securities held to maturity | 26,174,000 | 24,730,000 | 23,462,000 | 22,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,235,089,000 | 4,255,284,000 | 4,199,938,000 | 4,274,260,000 |
| Interest-bearing deposits | 3,831,237,000 | 3,850,750,000 | 3,797,019,000 | 3,869,866,000 |
| Noninterest-bearing deposits | 403,852,000 | 404,534,000 | 402,919,000 | 404,394,000 |
| Equity capital | 447,400,000 | 456,027,000 | 462,590,000 | 474,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 43,498,000 | 88,313,000 | 134,049,000 | 180,912,000 |
| Interest expense | 4,210,000 | 8,944,000 | 14,189,000 | 20,345,000 |
| Net interest income | 39,288,000 | 79,369,000 | 119,860,000 | 160,567,000 |
| Noninterest income | 6,127,000 | 12,103,000 | 17,976,000 | 24,209,000 |
| Noninterest expense | 25,128,000 | 49,743,000 | 74,887,000 | 101,528,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,400,000 |
| Pretax income | 19,987,000 | 41,129,000 | 62,049,000 | 81,848,000 |
| Income tax | 4,829,000 | 9,937,000 | 14,991,000 | 18,731,000 |
| Net income | 15,158,000 | 31,192,000 | 47,058,000 | 63,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 455,335,000 | 465,268,000 | 475,037,000 | 484,582,000 |
| Total capital | 487,547,000 | 498,047,000 | 508,257,000 | 517,948,000 |
| Risk-weighted assets | 2,564,566,000 | 2,610,375,000 | 2,645,817,000 | 2,657,691,000 |