Call reports 2001
TROY SAVINGS BANK, THE — 2001
What TROY SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 1,038,844,000 | 1,052,581,000 | 1,133,803,000 | 1,069,966,000 |
| Total loans | 755,582,000 | 775,234,000 | 762,532,000 | 762,696,000 |
| Allowance for loan losses | 14,238,000 | 14,310,000 | 14,333,000 | 14,403,000 |
| Securities available for sale | 169,106,000 | 157,729,000 | 215,468,000 | 201,668,000 |
| Securities held to maturity | 2,221,000 | 2,180,000 | 2,130,000 | 1,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 795,159,000 | 810,189,000 | 809,279,000 | 799,942,000 |
| Interest-bearing deposits | 785,269,000 | 793,370,000 | 791,718,000 | 788,749,000 |
| Noninterest-bearing deposits | 9,890,000 | 16,819,000 | 17,561,000 | 11,193,000 |
| Equity capital | 133,572,000 | 133,625,000 | 134,886,000 | 136,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 18,090,000 | 35,897,000 | 53,254,000 | 70,066,000 |
| Interest expense | 8,743,000 | 17,140,000 | 24,960,000 | 31,911,000 |
| Net interest income | 9,347,000 | 18,757,000 | 28,294,000 | 38,155,000 |
| Noninterest income | 1,161,000 | 2,360,000 | 3,710,000 | 5,198,000 |
| Noninterest expense | 6,537,000 | 13,308,000 | 19,994,000 | 26,555,000 |
| Provision for loan losses | 400,000 | 766,000 | 1,132,000 | 1,498,000 |
| Pretax income | 3,590,000 | 7,067,000 | 10,907,000 | 15,342,000 |
| Income tax | 1,248,000 | 2,456,000 | 3,850,000 | 5,373,000 |
| Net income | 2,342,000 | 4,611,000 | 7,057,000 | 9,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,238,000 | 100,088,000 | 100,639,000 | 103,244,000 |
| Total capital | 108,381,000 | 109,463,000 | 109,933,000 | 112,506,000 |
| Risk-weighted assets | 723,461,000 | 745,048,000 | 738,001,000 | 735,196,000 |