Call reports 2025
TRUSTCO BANK — 2025
What TRUSTCO BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 6,337,626,000 | 6,347,651,000 | 6,348,244,000 | 6,440,470,000 |
| Total loans | 5,116,142,000 | 5,156,700,000 | 5,191,770,000 | 5,252,460,000 |
| Allowance for loan losses | 50,606,000 | 51,265,000 | 51,891,000 | 52,205,000 |
| Securities available for sale | 324,405,000 | 336,519,000 | 319,821,000 | 310,364,000 |
| Securities held to maturity | 5,089,000 | 4,836,000 | 4,594,000 | 4,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,496,683,000 | 5,490,327,000 | 5,481,287,000 | 5,557,429,000 |
| Interest-bearing deposits | 4,703,361,000 | 4,704,840,000 | 4,685,778,000 | 4,742,642,000 |
| Noninterest-bearing deposits | 793,322,000 | 785,487,000 | 795,509,000 | 814,787,000 |
| Equity capital | 659,331,000 | 668,261,000 | 675,752,000 | 524,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 62,817,000 | 127,289,000 | 193,323,000 | 259,413,000 |
| Interest expense | 22,512,000 | 45,304,000 | 68,272,000 | 90,781,000 |
| Net interest income | 40,305,000 | 81,985,000 | 125,051,000 | 168,632,000 |
| Noninterest income | 5,303,000 | 10,500,000 | 15,506,000 | 20,319,000 |
| Noninterest expense | 26,388,000 | 52,527,000 | 78,866,000 | 105,706,000 |
| Provision for loan losses | 100,000 | 750,000 | 1,200,000 | 1,500,000 |
| Pretax income | 18,920,000 | 39,008,000 | 60,491,000 | 81,645,000 |
| Income tax | 4,485,000 | 9,248,000 | 14,341,000 | 19,852,000 |
| Net income | 14,435,000 | 29,760,000 | 46,150,000 | 61,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 658,910,000 | 666,044,000 | 672,243,000 | 513,719,000 |
| Total capital | 703,154,000 | 710,788,000 | 717,360,000 | 559,750,000 |
| Risk-weighted assets | 3,531,177,000 | 3,571,157,000 | 3,600,793,000 | 3,674,483,000 |