Call reports 2003
TROY SAVINGS BANK, THE — 2003
What TROY SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,096,785,000 | 1,109,300,000 | 1,198,274,000 | 1,086,787,000 |
| Total loans | 782,566,000 | 772,141,000 | 760,659,000 | 753,521,000 |
| Allowance for loan losses | 14,623,000 | 14,638,000 | 14,646,000 | 14,650,000 |
| Securities available for sale | 177,408,000 | 200,026,000 | 231,483,000 | 137,206,000 |
| Securities held to maturity | 765,000 | 712,000 | 661,000 | 629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 806,848,000 | 815,538,000 | 832,248,000 | 827,087,000 |
| Interest-bearing deposits | 795,455,000 | 803,887,000 | 813,191,000 | 813,175,000 |
| Noninterest-bearing deposits | 11,393,000 | 11,651,000 | 19,057,000 | 13,912,000 |
| Equity capital | 133,501,000 | 133,699,000 | 132,691,000 | 134,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 14,908,000 | 29,512,000 | 43,061,000 | 55,923,000 |
| Interest expense | 4,622,000 | 8,891,000 | 12,699,000 | 16,221,000 |
| Net interest income | 10,286,000 | 20,621,000 | 30,362,000 | 39,702,000 |
| Noninterest income | 1,773,000 | 3,560,000 | 5,280,000 | 6,871,000 |
| Noninterest expense | 7,149,000 | 14,373,000 | 21,995,000 | 29,892,000 |
| Provision for loan losses | 150,000 | 270,000 | 410,000 | 682,000 |
| Pretax income | 4,759,000 | 9,595,000 | 14,697,000 | 17,447,000 |
| Income tax | 1,729,000 | 3,503,000 | 5,411,000 | 6,576,000 |
| Net income | 3,030,000 | 6,092,000 | 9,286,000 | 10,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,900,000 | 100,294,000 | 100,695,000 | 102,972,000 |
| Total capital | 109,630,000 | 110,053,000 | 110,260,000 | 112,193,000 |
| Risk-weighted assets | 772,155,000 | 772,975,000 | 758,306,000 | 729,569,000 |