Call reports 2002
TROY SAVINGS BANK, THE — 2002
What TROY SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,062,636,000 | 1,070,281,000 | 1,199,353,000 | 1,080,151,000 |
| Total loans | 759,966,000 | 766,855,000 | 765,958,000 | 779,648,000 |
| Allowance for loan losses | 14,446,000 | 14,496,000 | 14,538,000 | 14,600,000 |
| Securities available for sale | 201,975,000 | 182,831,000 | 296,308,000 | 168,172,000 |
| Securities held to maturity | 992,000 | 952,000 | 883,000 | 838,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,952,000 | 817,195,000 | 822,423,000 | 810,572,000 |
| Interest-bearing deposits | 787,110,000 | 762,161,000 | 800,739,000 | 796,242,000 |
| Noninterest-bearing deposits | 12,842,000 | 55,034,000 | 21,684,000 | 14,330,000 |
| Equity capital | 136,453,000 | 120,547,000 | 124,060,000 | 130,418,000 |
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 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 16,211,000 | 32,038,000 | 47,611,000 | 62,930,000 |
| Interest expense | 5,981,000 | 11,762,000 | 17,304,000 | 22,372,000 |
| Net interest income | 10,230,000 | 20,276,000 | 30,307,000 | 40,558,000 |
| Noninterest income | 1,450,000 | 3,349,000 | 5,155,000 | 6,919,000 |
| Noninterest expense | 6,645,000 | 13,453,000 | 20,281,000 | 27,551,000 |
| Provision for loan losses | 320,000 | 610,000 | 800,000 | 950,000 |
| Pretax income | 4,729,000 | 9,576,000 | 14,402,000 | 18,995,000 |
| Income tax | 1,649,000 | 3,341,000 | 5,059,000 | 6,692,000 |
| Net income | 3,080,000 | 6,235,000 | 9,343,000 | 12,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,636,000 | 87,034,000 | 90,249,000 | 96,588,000 |
| Total capital | 112,846,000 | 96,574,000 | 99,488,000 | 106,113,000 |
| Risk-weighted assets | 731,285,000 | 755,440,000 | 730,350,000 | 753,686,000 |