Call reports 2003
TROY BANK & TRUST COMPANY — 2003
What TROY BANK & TRUST COMPANY 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 | 286,798,000 | 308,778,000 | 306,191,000 | 312,531,000 |
| Total loans | 196,255,000 | 198,494,000 | 199,850,000 | 208,172,000 |
| Allowance for loan losses | 2,881,000 | 2,726,000 | 2,922,000 | 2,977,000 |
| Securities available for sale | 71,038,000 | 88,126,000 | 85,817,000 | 85,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,330,000 | 244,545,000 | 241,329,000 | 253,179,000 |
| Interest-bearing deposits | 207,555,000 | 210,396,000 | 210,060,000 | 224,426,000 |
| Noninterest-bearing deposits | 29,775,000 | 34,149,000 | 31,269,000 | 28,753,000 |
| Equity capital | 21,383,000 | 22,198,000 | 22,034,000 | 22,582,000 |
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 | 4,198,000 | 8,650,000 | 12,949,000 | 17,160,000 |
| Interest expense | 1,775,000 | 3,434,000 | 5,050,000 | 6,593,000 |
| Net interest income | 2,423,000 | 5,216,000 | 7,899,000 | 10,567,000 |
| Noninterest income | 431,000 | 1,001,000 | 1,538,000 | 1,967,000 |
| Noninterest expense | 1,542,000 | 3,344,000 | 5,221,000 | 7,058,000 |
| Provision for loan losses | 204,000 | 420,000 | 636,000 | 852,000 |
| Pretax income | 1,128,000 | 2,577,000 | 3,706,000 | 4,774,000 |
| Income tax | 347,000 | 779,000 | 1,027,000 | 1,369,000 |
| Net income | 781,000 | 1,798,000 | 2,679,000 | 3,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,457,000 | 20,967,000 | 21,650,000 | 21,853,000 |
| Total capital | 23,254,000 | 23,693,000 | 24,572,000 | 24,706,000 |
| Risk-weighted assets | 223,688,000 | 238,469,000 | 242,358,000 | 228,152,000 |