Call reports 2001
TROY BANK & TRUST COMPANY — 2001
What TROY BANK & TRUST COMPANY 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 | 242,491,000 | 249,109,000 | 248,673,000 | 246,653,000 |
| Total loans | 169,138,000 | 169,814,000 | 172,990,000 | 178,735,000 |
| Allowance for loan losses | 2,469,000 | 2,579,000 | 2,721,000 | 2,625,000 |
| Securities available for sale | 53,042,000 | 48,811,000 | 51,647,000 | 51,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,664,000 | 207,020,000 | 206,417,000 | 210,258,000 |
| Interest-bearing deposits | 176,582,000 | 181,212,000 | 184,722,000 | 183,140,000 |
| Noninterest-bearing deposits | 24,082,000 | 25,808,000 | 21,695,000 | 27,118,000 |
| Equity capital | 18,328,000 | 18,286,000 | 19,071,000 | 19,204,000 |
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 | 4,838,000 | 9,612,000 | 14,404,000 | 19,030,000 |
| Interest expense | 2,764,000 | 5,391,000 | 7,991,000 | 10,307,000 |
| Net interest income | 2,074,000 | 4,221,000 | 6,413,000 | 8,723,000 |
| Noninterest income | 327,000 | 681,000 | 1,370,000 | 1,769,000 |
| Noninterest expense | 1,333,000 | 2,700,000 | 4,077,000 | 5,281,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 898,000 | 1,976,000 | 3,375,000 | 4,868,000 |
| Income tax | 255,000 | 596,000 | 1,038,000 | 1,594,000 |
| Net income | 643,000 | 1,380,000 | 2,337,000 | 3,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,528,000 | 17,761,000 | 18,236,000 | 18,695,000 |
| Total capital | 19,724,000 | 20,116,000 | 20,645,000 | 21,127,000 |
| Risk-weighted assets | 174,983,000 | 188,023,000 | 192,276,000 | 194,351,000 |