Call reports 2011
TROY BANK & TRUST COMPANY — 2011
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 830,436,000 | 824,633,000 | 831,523,000 | 851,987,000 |
| Total loans | 517,310,000 | 502,867,000 | 500,181,000 | 485,605,000 |
| Allowance for loan losses | 8,297,000 | 7,294,000 | 7,998,000 | 7,526,000 |
| Securities available for sale | 222,220,000 | 225,958,000 | 259,974,000 | 264,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,351,000 | 692,025,000 | 692,269,000 | 714,380,000 |
| Interest-bearing deposits | 625,135,000 | 618,466,000 | 671,092,000 | 691,136,000 |
| Noninterest-bearing deposits | 74,216,000 | 73,559,000 | 21,177,000 | 23,244,000 |
| Equity capital | 76,919,000 | 78,286,000 | 81,265,000 | 80,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 9,883,000 | 19,641,000 | 29,540,000 | 39,269,000 |
| Interest expense | 3,697,000 | 7,334,000 | 10,906,000 | 14,345,000 |
| Net interest income | 6,186,000 | 12,307,000 | 18,634,000 | 24,924,000 |
| Noninterest income | 1,111,000 | 2,201,000 | 3,314,000 | 4,490,000 |
| Noninterest expense | 4,183,000 | 8,368,000 | 12,504,000 | 16,490,000 |
| Provision for loan losses | 2,558,000 | 5,533,000 | 6,833,000 | 8,833,000 |
| Pretax income | 1,190,000 | 1,509,000 | 3,606,000 | 5,315,000 |
| Income tax | 258,000 | -171,000 | 313,000 | 651,000 |
| Net income | 932,000 | 1,680,000 | 3,293,000 | 4,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,864,000 | 72,377,000 | 73,546,000 | 73,687,000 |
| Total capital | 80,044,000 | 79,431,000 | 80,479,000 | 80,574,000 |
| Risk-weighted assets | 573,311,000 | 563,844,000 | 558,900,000 | 549,836,000 |