Call reports 2004
TROY BANK & TRUST COMPANY — 2004
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 323,172,000 | 329,323,000 | 334,652,000 | 337,630,000 |
| Total loans | 211,777,000 | 218,699,000 | 228,377,000 | 235,146,000 |
| Allowance for loan losses | 3,198,000 | 3,333,000 | 3,512,000 | 3,650,000 |
| Securities available for sale | 92,975,000 | 90,401,000 | 86,465,000 | 83,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,990,000 | 260,616,000 | 273,062,000 | 283,006,000 |
| Interest-bearing deposits | 219,990,000 | 228,897,000 | 238,434,000 | 246,760,000 |
| Noninterest-bearing deposits | 31,000,000 | 31,719,000 | 34,628,000 | 36,246,000 |
| Equity capital | 23,527,000 | 23,098,000 | 24,997,000 | 25,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,308,000 | 8,751,000 | 13,555,000 | 18,394,000 |
| Interest expense | 1,524,000 | 3,052,000 | 4,682,000 | 6,380,000 |
| Net interest income | 2,784,000 | 5,699,000 | 8,873,000 | 12,014,000 |
| Noninterest income | 526,000 | 1,065,000 | 1,676,000 | 2,304,000 |
| Noninterest expense | 1,998,000 | 3,959,000 | 5,915,000 | 8,019,000 |
| Provision for loan losses | 216,000 | 432,000 | 648,000 | 864,000 |
| Pretax income | 1,174,000 | 2,481,000 | 4,170,000 | 5,619,000 |
| Income tax | 387,000 | 628,000 | 1,126,000 | 1,487,000 |
| Net income | 787,000 | 1,853,000 | 3,044,000 | 4,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,384,000 | 23,322,000 | 24,264,000 | 25,084,000 |
| Total capital | 25,299,000 | 26,370,000 | 27,386,000 | 28,280,000 |
| Risk-weighted assets | 232,922,000 | 242,764,000 | 249,407,000 | 255,193,000 |