Call reports 2012
TROY BANK & TRUST COMPANY — 2012
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 847,644,000 | 844,684,000 | 841,791,000 | 836,722,000 |
| Total loans | 469,931,000 | 468,458,000 | 478,941,000 | 477,989,000 |
| Allowance for loan losses | 8,354,000 | 8,438,000 | 8,917,000 | 8,556,000 |
| Securities available for sale | 280,831,000 | 295,217,000 | 311,328,000 | 310,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 705,594,000 | 704,340,000 | 698,918,000 | 700,436,000 |
| Interest-bearing deposits | 678,543,000 | 675,711,000 | 669,723,000 | 678,620,000 |
| Noninterest-bearing deposits | 27,051,000 | 28,629,000 | 29,195,000 | 21,816,000 |
| Equity capital | 81,718,000 | 82,784,000 | 85,263,000 | 86,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,417,000 | 18,517,000 | 27,848,000 | 37,165,000 |
| Interest expense | 3,314,000 | 6,459,000 | 9,208,000 | 11,834,000 |
| Net interest income | 6,103,000 | 12,058,000 | 18,640,000 | 25,331,000 |
| Noninterest income | 1,040,000 | 2,251,000 | 3,366,000 | 4,168,000 |
| Noninterest expense | 4,324,000 | 9,432,000 | 13,663,000 | 17,738,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 3,900,000 | 4,800,000 |
| Pretax income | 1,469,000 | 2,151,000 | 4,773,000 | 7,457,000 |
| Income tax | 245,000 | -206,000 | 413,000 | 741,000 |
| Net income | 1,224,000 | 2,357,000 | 4,360,000 | 6,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,483,000 | 74,369,000 | 75,929,000 | 77,090,000 |
| Total capital | 81,228,000 | 81,020,000 | 82,730,000 | 84,066,000 |
| Risk-weighted assets | 551,060,000 | 539,003,000 | 545,109,000 | 553,507,000 |