Call reports 2009
TROY BANK & TRUST COMPANY — 2009
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 770,587,000 | 758,445,000 | 782,798,000 | 791,683,000 |
| Total loans | 527,409,000 | 534,628,000 | 535,626,000 | 537,289,000 |
| Allowance for loan losses | 8,132,000 | 8,737,000 | 10,481,000 | 7,779,000 |
| Securities available for sale | 202,930,000 | 185,248,000 | 206,300,000 | 202,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,735,000 | 639,000,000 | 662,096,000 | 658,425,000 |
| Interest-bearing deposits | 586,203,000 | 577,514,000 | 628,910,000 | 595,225,000 |
| Noninterest-bearing deposits | 62,532,000 | 61,486,000 | 33,186,000 | 63,200,000 |
| Equity capital | 57,895,000 | 59,286,000 | 61,679,000 | 75,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,705,000 | 21,336,000 | 32,018,000 | 42,815,000 |
| Interest expense | 5,276,000 | 10,292,000 | 15,262,000 | 19,921,000 |
| Net interest income | 5,429,000 | 11,044,000 | 16,756,000 | 22,894,000 |
| Noninterest income | 836,000 | 1,752,000 | 2,785,000 | 3,764,000 |
| Noninterest expense | 3,497,000 | 7,015,000 | 10,862,000 | 14,423,000 |
| Provision for loan losses | 4,100,000 | 5,100,000 | 8,050,000 | 9,550,000 |
| Pretax income | -1,111,000 | 1,231,000 | 1,333,000 | 3,680,000 |
| Income tax | -885,000 | -418,000 | -505,000 | -78,000 |
| Net income | -226,000 | 1,649,000 | 1,838,000 | 3,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,509,000 | 56,951,000 | 56,759,000 | 71,210,000 |
| Total capital | 62,740,000 | 64,174,000 | 64,044,000 | 78,546,000 |
| Risk-weighted assets | 577,564,000 | 576,300,000 | 579,623,000 | 590,658,000 |