Call reports 2006
TROY BANK & TRUST COMPANY — 2006
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 369,218,000 | 381,003,000 | 389,088,000 | 409,748,000 |
| Total loans | 260,419,000 | 274,230,000 | 270,515,000 | 279,758,000 |
| Allowance for loan losses | 3,814,000 | 3,859,000 | 3,691,000 | 3,689,000 |
| Securities available for sale | 82,248,000 | 80,367,000 | 81,973,000 | 87,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,310,000 | 307,564,000 | 324,773,000 | 344,591,000 |
| Interest-bearing deposits | 265,556,000 | 264,167,000 | 278,854,000 | 295,962,000 |
| Noninterest-bearing deposits | 44,754,000 | 43,397,000 | 45,919,000 | 48,629,000 |
| Equity capital | 28,860,000 | 29,268,000 | 30,901,000 | 31,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,787,000 | 11,954,000 | 18,520,000 | 25,380,000 |
| Interest expense | 2,536,000 | 5,362,000 | 8,585,000 | 12,042,000 |
| Net interest income | 3,251,000 | 6,592,000 | 9,935,000 | 13,338,000 |
| Noninterest income | 640,000 | 1,524,000 | 2,407,000 | 3,183,000 |
| Noninterest expense | 2,184,000 | 4,425,000 | 6,594,000 | 8,825,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,557,000 | 3,395,000 | 5,298,000 | 7,096,000 |
| Income tax | 470,000 | 1,052,000 | 1,572,000 | 2,077,000 |
| Net income | 1,087,000 | 2,343,000 | 3,726,000 | 5,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,121,000 | 29,969,000 | 30,951,000 | 31,980,000 |
| Total capital | 32,619,000 | 33,682,000 | 34,642,000 | 35,669,000 |
| Risk-weighted assets | 283,317,000 | 296,943,000 | 296,595,000 | 306,966,000 |