Call reports 2002
TRUSTCO BANK, NATIONAL ASSOCIATION — 2002
What TRUSTCO BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 2,634,075,000 | 2,706,796,000 | 2,634,743,000 |
| Total loans | 1,514,448,000 | 1,508,475,000 | 1,491,293,000 |
| Allowance for loan losses | 55,768,000 | 55,073,000 | 53,552,000 |
| Securities available for sale | 530,561,000 | 573,235,000 | 608,729,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 2,156,966,000 | 2,218,754,000 | 2,253,284,000 |
| Interest-bearing deposits | 1,962,022,000 | 2,021,709,000 | 2,041,870,000 |
| Noninterest-bearing deposits | 194,944,000 | 197,045,000 | 211,414,000 |
| Equity capital | 157,685,000 | 162,542,000 | 174,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 38,483,000 | 76,906,000 | 114,864,000 |
| Interest expense | 15,039,000 | 30,050,000 | 44,494,000 |
| Net interest income | 23,444,000 | 46,856,000 | 70,370,000 |
| Noninterest income | 4,991,000 | 10,748,000 | 15,345,000 |
| Noninterest expense | 12,232,000 | 24,695,000 | 35,842,000 |
| Provision for loan losses | 500,000 | 800,000 | 1,100,000 |
| Pretax income | 15,494,000 | 31,265,000 | 48,087,000 |
| Income tax | 4,548,000 | 9,185,000 | 14,164,000 |
| Net income | 10,946,000 | 22,080,000 | 33,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 153,063,000 | 153,366,000 | 160,211,000 |
| Total capital | 170,492,000 | 170,771,000 | 177,477,000 |
| Risk-weighted assets | 1,355,990,000 | 1,354,715,000 | 1,345,016,000 |