Call reports 2013
TROY BANK & TRUST COMPANY — 2013
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 834,054,000 | 845,105,000 | 866,771,000 | 844,234,000 |
| Total loans | 464,005,000 | 460,114,000 | 463,222,000 | 446,283,000 |
| Allowance for loan losses | 8,133,000 | 7,618,000 | 7,869,000 | 7,507,000 |
| Securities available for sale | 299,698,000 | 303,145,000 | 302,551,000 | 308,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 692,098,000 | 704,324,000 | 726,534,000 | 707,671,000 |
| Interest-bearing deposits | 667,533,000 | 676,346,000 | 701,852,000 | 678,976,000 |
| Noninterest-bearing deposits | 24,565,000 | 27,979,000 | 24,682,000 | 28,695,000 |
| Equity capital | 87,487,000 | 84,668,000 | 84,165,000 | 84,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,010,000 | 17,742,000 | 26,264,000 | 34,529,000 |
| Interest expense | 2,389,000 | 4,681,000 | 6,921,000 | 9,064,000 |
| Net interest income | 6,621,000 | 13,061,000 | 19,343,000 | 25,465,000 |
| Noninterest income | 690,000 | 1,291,000 | 2,368,000 | 3,504,000 |
| Noninterest expense | 4,736,000 | 9,072,000 | 13,336,000 | 17,896,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,850,000 | 3,750,000 |
| Pretax income | 1,931,000 | 3,931,000 | 6,061,000 | 7,906,000 |
| Income tax | 219,000 | 773,000 | 1,198,000 | 1,209,000 |
| Net income | 1,712,000 | 3,158,000 | 4,863,000 | 6,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,432,000 | 79,411,000 | 79,875,000 | 80,481,000 |
| Total capital | 85,268,000 | 86,282,000 | 86,731,000 | 87,354,000 |
| Risk-weighted assets | 541,257,000 | 548,906,000 | 547,455,000 | 549,203,000 |