Call reports 2008
TROY BANK & TRUST COMPANY — 2008
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 518,868,000 | 522,239,000 | 723,291,000 | 748,370,000 |
| Total loans | 343,333,000 | 355,707,000 | 497,711,000 | 518,402,000 |
| Allowance for loan losses | 3,993,000 | 4,180,000 | 7,099,000 | 8,035,000 |
| Securities available for sale | 132,012,000 | 130,064,000 | 184,888,000 | 193,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,695,000 | 432,800,000 | 609,496,000 | 608,084,000 |
| Interest-bearing deposits | 402,835,000 | 407,927,000 | 547,174,000 | 543,312,000 |
| Noninterest-bearing deposits | 30,860,000 | 24,873,000 | 62,322,000 | 64,772,000 |
| Equity capital | 37,702,000 | 37,276,000 | 56,355,000 | 58,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,036,000 | 16,170,000 | 33,811,000 | 45,831,000 |
| Interest expense | 4,402,000 | 8,499,000 | 17,803,000 | 24,342,000 |
| Net interest income | 3,634,000 | 7,671,000 | 16,008,000 | 21,489,000 |
| Noninterest income | 794,000 | 1,440,000 | 3,010,000 | 4,059,000 |
| Noninterest expense | 2,535,000 | 5,102,000 | 10,259,000 | 13,439,000 |
| Provision for loan losses | 262,000 | 524,000 | 1,685,000 | 5,273,000 |
| Pretax income | 1,672,000 | 3,579,000 | 6,592,000 | 6,399,000 |
| Income tax | 503,000 | 1,050,000 | 1,982,000 | 1,613,000 |
| Net income | 1,169,000 | 2,529,000 | 4,610,000 | 4,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,920,000 | 37,815,000 | 55,099,000 | 56,173,000 |
| Total capital | 40,913,000 | 41,995,000 | 61,917,000 | 63,243,000 |
| Risk-weighted assets | 382,147,000 | 393,826,000 | 545,135,000 | 564,636,000 |