Call reports 2015
TROY BANK & TRUST COMPANY — 2015
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 838,837,000 | 831,457,000 | 823,066,000 | 849,307,000 |
| Total loans | 444,767,000 | 440,076,000 | 457,301,000 | 466,799,000 |
| Allowance for loan losses | 9,092,000 | 8,167,000 | 8,599,000 | 6,369,000 |
| Securities available for sale | 310,902,000 | 315,566,000 | 306,397,000 | 302,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,922,000 | 696,752,000 | 683,077,000 | 710,651,000 |
| Interest-bearing deposits | 673,608,000 | 670,269,000 | 656,319,000 | 683,265,000 |
| Noninterest-bearing deposits | 28,314,000 | 26,483,000 | 26,758,000 | 27,386,000 |
| Equity capital | 84,850,000 | 84,266,000 | 85,760,000 | 86,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,502,000 | 14,923,000 | 22,812,000 | 30,612,000 |
| Interest expense | 1,359,000 | 2,675,000 | 3,995,000 | 5,229,000 |
| Net interest income | 6,143,000 | 12,248,000 | 18,817,000 | 25,383,000 |
| Noninterest income | 1,113,000 | 2,449,000 | 3,569,000 | 4,852,000 |
| Noninterest expense | 4,985,000 | 10,367,000 | 15,564,000 | 20,673,000 |
| Provision for loan losses | 600,000 | 600,000 | 1,500,000 | 2,400,000 |
| Pretax income | 1,815,000 | 3,893,000 | 5,505,000 | 7,364,000 |
| Income tax | 241,000 | 651,000 | 687,000 | 930,000 |
| Net income | 1,574,000 | 3,242,000 | 4,818,000 | 6,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,535,000 | 74,626,000 | 75,780,000 | 76,821,000 |
| Total capital | 80,959,000 | 82,048,000 | 83,359,000 | 83,190,000 |
| Risk-weighted assets | 592,282,000 | 591,100,000 | 603,379,000 | 618,883,000 |