Call reports 2007
TROY BANK & TRUST COMPANY — 2007
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 437,706,000 | 446,965,000 | 480,122,000 | 485,427,000 |
| Total loans | 290,776,000 | 309,193,000 | 317,513,000 | 327,281,000 |
| Allowance for loan losses | 3,772,000 | 3,843,000 | 3,925,000 | 3,847,000 |
| Securities available for sale | 99,417,000 | 105,109,000 | 122,646,000 | 125,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,801,000 | 366,979,000 | 389,846,000 | 403,431,000 |
| Interest-bearing deposits | 304,774,000 | 317,367,000 | 339,472,000 | 378,586,000 |
| Noninterest-bearing deposits | 58,027,000 | 49,612,000 | 50,374,000 | 24,845,000 |
| Equity capital | 32,838,000 | 32,911,000 | 34,768,000 | 36,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,239,000 | 14,771,000 | 22,794,000 | 31,080,000 |
| Interest expense | 3,711,000 | 7,702,000 | 11,941,000 | 16,330,000 |
| Net interest income | 3,528,000 | 7,069,000 | 10,853,000 | 14,750,000 |
| Noninterest income | 918,000 | 1,751,000 | 2,582,000 | 3,557,000 |
| Noninterest expense | 2,402,000 | 4,696,000 | 6,908,000 | 9,271,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,895,000 | 3,832,000 | 6,084,000 | 8,463,000 |
| Income tax | 598,000 | 1,154,000 | 1,839,000 | 2,433,000 |
| Net income | 1,297,000 | 2,678,000 | 4,245,000 | 6,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,963,000 | 33,984,000 | 35,183,000 | 36,345,000 |
| Total capital | 36,735,000 | 37,827,000 | 39,108,000 | 40,192,000 |
| Risk-weighted assets | 322,511,000 | 339,077,000 | 351,418,000 | 361,535,000 |