Call reports 2021
TRUSTCO BANK — 2021
What TRUSTCO BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 6,047,014,000 | 6,121,829,000 | 6,134,106,000 | 6,196,275,000 |
| Total loans | 4,269,172,000 | 4,349,366,000 | 4,396,729,000 | 4,438,780,000 |
| Allowance for loan losses | 49,991,000 | 50,155,000 | 47,350,000 | 44,267,000 |
| Securities available for sale | 527,550,000 | 482,779,000 | 434,517,000 | 407,677,000 |
| Securities held to maturity | 12,729,000 | 11,664,000 | 10,701,000 | 9,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,172,937,000 | 5,230,533,000 | 5,241,031,000 | 5,268,143,000 |
| Interest-bearing deposits | 4,453,561,000 | 4,465,271,000 | 4,450,546,000 | 4,473,112,000 |
| Noninterest-bearing deposits | 719,376,000 | 765,262,000 | 790,485,000 | 795,031,000 |
| Equity capital | 554,213,000 | 561,623,000 | 569,827,000 | 583,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 42,494,000 | 84,549,000 | 126,212,000 | 167,983,000 |
| Interest expense | 2,412,000 | 4,368,000 | 6,167,000 | 7,671,000 |
| Net interest income | 40,082,000 | 80,181,000 | 120,045,000 | 160,312,000 |
| Noninterest income | 5,107,000 | 10,579,000 | 15,576,000 | 20,596,000 |
| Noninterest expense | 24,774,000 | 49,766,000 | 74,504,000 | 100,063,000 |
| Provision for loan losses | 350,000 | 350,000 | -2,450,000 | -5,450,000 |
| Pretax income | 20,065,000 | 40,644,000 | 63,567,000 | 86,295,000 |
| Income tax | 5,070,000 | 10,312,000 | 15,995,000 | 21,585,000 |
| Net income | 14,995,000 | 30,332,000 | 47,572,000 | 64,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 546,392,000 | 553,230,000 | 561,970,000 | 570,595,000 |
| Total capital | 583,171,000 | 590,312,000 | 599,266,000 | 608,308,000 |
| Risk-weighted assets | 2,929,035,000 | 2,953,491,000 | 2,973,597,000 | 3,010,464,000 |