Call reports 2005
TROY BANK & TRUST COMPANY — 2005
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 345,963,000 | 360,335,000 | 361,922,000 | 366,014,000 |
| Total loans | 241,599,000 | 259,041,000 | 260,021,000 | 262,264,000 |
| Allowance for loan losses | 3,697,000 | 3,791,000 | 3,884,000 | 3,783,000 |
| Securities available for sale | 80,357,000 | 78,672,000 | 78,655,000 | 80,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,573,000 | 290,723,000 | 294,776,000 | 305,011,000 |
| Interest-bearing deposits | 245,318,000 | 248,055,000 | 249,140,000 | 261,278,000 |
| Noninterest-bearing deposits | 41,255,000 | 42,668,000 | 45,636,000 | 43,733,000 |
| Equity capital | 26,070,000 | 26,836,000 | 27,619,000 | 28,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,959,000 | 10,274,000 | 15,838,000 | 21,618,000 |
| Interest expense | 1,750,000 | 3,771,000 | 5,970,000 | 8,410,000 |
| Net interest income | 3,209,000 | 6,503,000 | 9,868,000 | 13,208,000 |
| Noninterest income | 617,000 | 1,267,000 | 1,883,000 | 2,455,000 |
| Noninterest expense | 2,005,000 | 4,065,000 | 6,156,000 | 8,354,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 530,000 |
| Pretax income | 1,715,000 | 3,497,000 | 5,267,000 | 6,826,000 |
| Income tax | 499,000 | 1,053,000 | 1,511,000 | 1,967,000 |
| Net income | 1,216,000 | 2,444,000 | 3,756,000 | 4,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,021,000 | 26,346,000 | 27,427,000 | 28,252,000 |
| Total capital | 29,308,000 | 29,833,000 | 30,923,000 | 31,797,000 |
| Risk-weighted assets | 262,530,000 | 278,661,000 | 279,294,000 | 283,412,000 |