Call reports 2019
TRUSTCO BANK — 2019
What TRUSTCO BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 5,153,819,000 | 5,226,475,000 | 5,222,139,000 | 5,220,288,000 |
| Total loans | 3,861,153,000 | 3,906,410,000 | 3,985,320,000 | 4,062,197,000 |
| Allowance for loan losses | 44,671,000 | 44,365,000 | 44,329,000 | 44,317,000 |
| Securities available for sale | 546,432,000 | 633,504,000 | 662,728,000 | 573,787,000 |
| Securities held to maturity | 21,609,000 | 20,667,000 | 19,705,000 | 18,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,413,081,000 | 4,462,280,000 | 4,461,180,000 | 4,450,030,000 |
| Interest-bearing deposits | 4,004,746,000 | 4,029,526,000 | 4,007,771,000 | 3,986,188,000 |
| Noninterest-bearing deposits | 408,335,000 | 432,754,000 | 453,409,000 | 463,842,000 |
| Equity capital | 486,461,000 | 500,465,000 | 510,013,000 | 521,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 47,413,000 | 96,078,000 | 144,604,000 | 192,129,000 |
| Interest expense | 7,715,000 | 17,226,000 | 27,142,000 | 36,462,000 |
| Net interest income | 39,698,000 | 78,852,000 | 117,462,000 | 155,667,000 |
| Noninterest income | 6,229,000 | 12,755,000 | 19,349,000 | 25,243,000 |
| Noninterest expense | 25,927,000 | 51,486,000 | 76,454,000 | 100,844,000 |
| Provision for loan losses | 300,000 | -41,000 | -41,000 | 159,000 |
| Pretax income | 19,700,000 | 40,162,000 | 60,398,000 | 79,913,000 |
| Income tax | 4,761,000 | 9,857,000 | 14,748,000 | 19,506,000 |
| Net income | 14,939,000 | 30,305,000 | 45,650,000 | 60,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 492,919,000 | 501,686,000 | 509,531,000 | 516,776,000 |
| Total capital | 526,727,000 | 536,199,000 | 544,639,000 | 551,975,000 |
| Risk-weighted assets | 2,693,624,000 | 2,751,007,000 | 2,799,309,000 | 2,806,690,000 |