Call reports 2022
TRUSTCO BANK — 2022
What TRUSTCO BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 6,281,043,000 | 6,226,092,000 | 6,078,748,000 | 5,999,551,000 |
| Total loans | 4,464,355,000 | 4,540,558,000 | 4,629,491,000 | 4,733,202,000 |
| Allowance for loan losses | 46,178,000 | 45,285,000 | 45,517,000 | 46,032,000 |
| Securities available for sale | 408,955,000 | 502,378,000 | 468,182,000 | 481,477,000 |
| Securities held to maturity | 9,183,000 | 8,545,000 | 8,091,000 | 7,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,350,029,000 | 5,396,854,000 | 5,281,868,000 | 5,192,823,000 |
| Interest-bearing deposits | 4,514,549,000 | 4,545,186,000 | 4,421,730,000 | 4,354,572,000 |
| Noninterest-bearing deposits | 835,480,000 | 851,668,000 | 860,138,000 | 838,251,000 |
| Equity capital | 574,080,000 | 576,857,000 | 572,438,000 | 583,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 41,291,000 | 85,479,000 | 134,518,000 | 186,602,000 |
| Interest expense | 1,220,000 | 2,373,000 | 3,652,000 | 6,592,000 |
| Net interest income | 40,071,000 | 83,106,000 | 130,866,000 | 180,010,000 |
| Noninterest income | 5,428,000 | 10,617,000 | 15,224,000 | 20,250,000 |
| Noninterest expense | 22,741,000 | 47,383,000 | 73,037,000 | 98,972,000 |
| Provision for loan losses | -500,000 | -1,500,000 | -1,400,000 | -900,000 |
| Pretax income | 22,958,000 | 47,031,000 | 73,444,000 | 101,629,000 |
| Income tax | 5,687,000 | 11,431,000 | 17,973,000 | 24,742,000 |
| Net income | 17,271,000 | 35,600,000 | 55,471,000 | 76,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 575,896,000 | 585,726,000 | 597,094,000 | 610,000,000 |
| Total capital | 614,433,000 | 625,756,000 | 637,907,000 | 651,463,000 |
| Risk-weighted assets | 3,072,670,000 | 3,193,965,000 | 3,256,945,000 | 3,309,561,000 |