Call reports 2002
TROY BANK & TRUST COMPANY — 2002
What TROY BANK & TRUST COMPANY 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 | 260,220,000 | 264,479,000 | 272,485,000 | 275,991,000 |
| Total loans | 187,468,000 | 194,360,000 | 191,566,000 | 192,589,000 |
| Allowance for loan losses | 2,792,000 | 2,957,000 | 2,884,000 | 2,787,000 |
| Securities available for sale | 56,370,000 | 54,597,000 | 64,123,000 | 64,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,411,000 | 218,731,000 | 224,922,000 | 227,881,000 |
| Interest-bearing deposits | 190,879,000 | 192,608,000 | 202,242,000 | 201,081,000 |
| Noninterest-bearing deposits | 23,532,000 | 26,123,000 | 22,680,000 | 26,800,000 |
| Equity capital | 19,342,000 | 20,319,000 | 20,994,000 | 20,873,000 |
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 | 4,351,000 | 8,794,000 | 13,166,000 | 17,519,000 |
| Interest expense | 2,044,000 | 3,986,000 | 5,973,000 | 7,888,000 |
| Net interest income | 2,307,000 | 4,808,000 | 7,193,000 | 9,631,000 |
| Noninterest income | 442,000 | 789,000 | 1,261,000 | 1,604,000 |
| Noninterest expense | 1,414,000 | 2,826,000 | 4,320,000 | 5,897,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 1,162,000 | 2,485,000 | 3,668,000 | 4,764,000 |
| Income tax | 358,000 | 752,000 | 1,107,000 | 1,391,000 |
| Net income | 804,000 | 1,733,000 | 2,561,000 | 3,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,961,000 | 19,499,000 | 19,807,000 | 19,891,000 |
| Total capital | 21,546,000 | 22,157,000 | 22,452,000 | 22,573,000 |
| Risk-weighted assets | 206,605,000 | 212,348,000 | 211,399,000 | 214,437,000 |