Call reports 2014
TROY BANK & TRUST COMPANY — 2014
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 837,239,000 | 834,929,000 | 807,181,000 | 836,553,000 |
| Total loans | 453,747,000 | 449,059,000 | 450,788,000 | 448,274,000 |
| Allowance for loan losses | 8,130,000 | 7,772,000 | 8,389,000 | 8,614,000 |
| Securities available for sale | 309,901,000 | 309,706,000 | 310,556,000 | 311,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,908,000 | 697,673,000 | 664,825,000 | 697,140,000 |
| Interest-bearing deposits | 673,955,000 | 669,826,000 | 635,892,000 | 665,916,000 |
| Noninterest-bearing deposits | 25,953,000 | 27,847,000 | 28,933,000 | 31,224,000 |
| Equity capital | 86,305,000 | 86,029,000 | 88,610,000 | 82,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,930,000 | 15,850,000 | 23,927,000 | 31,826,000 |
| Interest expense | 1,984,000 | 3,812,000 | 5,516,000 | 6,993,000 |
| Net interest income | 5,946,000 | 12,038,000 | 18,411,000 | 24,833,000 |
| Noninterest income | 1,072,000 | 2,314,000 | 3,272,000 | 4,335,000 |
| Noninterest expense | 4,676,000 | 9,395,000 | 14,526,000 | 19,339,000 |
| Provision for loan losses | 900,000 | 3,877,000 | 4,777,000 | 5,377,000 |
| Pretax income | 1,449,000 | 1,423,000 | 2,744,000 | 4,909,000 |
| Income tax | 25,000 | 261,000 | -565,000 | -454,000 |
| Net income | 1,424,000 | 1,162,000 | 3,309,000 | 5,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,492,000 | 79,987,000 | 81,709,000 | 75,534,000 |
| Total capital | 88,456,000 | 86,883,000 | 88,506,000 | 82,410,000 |
| Risk-weighted assets | 555,931,000 | 550,758,000 | 542,207,000 | 548,306,000 |