Call reports 2010
TROY BANK & TRUST COMPANY — 2010
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 817,909,000 | 823,385,000 | 805,089,000 | 827,369,000 |
| Total loans | 531,104,000 | 531,788,000 | 533,440,000 | 526,851,000 |
| Allowance for loan losses | 4,696,000 | 7,008,000 | 7,562,000 | 7,996,000 |
| Securities available for sale | 204,561,000 | 221,804,000 | 228,304,000 | 230,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 688,743,000 | 693,751,000 | 670,127,000 | 697,809,000 |
| Interest-bearing deposits | 626,083,000 | 626,577,000 | 604,407,000 | 624,455,000 |
| Noninterest-bearing deposits | 62,660,000 | 67,175,000 | 65,720,000 | 73,354,000 |
| Equity capital | 76,023,000 | 76,074,000 | 78,614,000 | 75,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 10,519,000 | 21,022,000 | 31,346,000 | 41,737,000 |
| Interest expense | 4,280,000 | 8,383,000 | 12,356,000 | 16,259,000 |
| Net interest income | 6,239,000 | 12,639,000 | 18,990,000 | 25,478,000 |
| Noninterest income | 1,071,000 | 2,103,000 | 3,066,000 | 4,065,000 |
| Noninterest expense | 3,699,000 | 7,299,000 | 11,604,000 | 15,326,000 |
| Provision for loan losses | 3,200,000 | 6,594,000 | 7,744,000 | 9,944,000 |
| Pretax income | 460,000 | 1,198,000 | 3,176,000 | 4,743,000 |
| Income tax | -168,000 | -304,000 | 186,000 | 382,000 |
| Net income | 628,000 | 1,502,000 | 2,990,000 | 4,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,431,000 | 71,095,000 | 72,163,000 | 72,312,000 |
| Total capital | 76,127,000 | 78,103,000 | 79,725,000 | 79,614,000 |
| Risk-weighted assets | 613,855,000 | 586,426,000 | 612,869,000 | 583,449,000 |