Call reports 2016
TROY BANK & TRUST COMPANY — 2016
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 850,085,000 | 839,079,000 | 878,021,000 | 874,684,000 |
| Total loans | 465,863,000 | 457,161,000 | 469,146,000 | 474,457,000 |
| Allowance for loan losses | 7,243,000 | 8,125,000 | 8,104,000 | 8,091,000 |
| Securities available for sale | 293,279,000 | 284,910,000 | 295,954,000 | 310,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 708,455,000 | 697,454,000 | 728,345,000 | 751,397,000 |
| Interest-bearing deposits | 678,382,000 | 667,758,000 | 697,573,000 | 720,275,000 |
| Noninterest-bearing deposits | 30,073,000 | 29,696,000 | 30,772,000 | 31,122,000 |
| Equity capital | 87,454,000 | 89,121,000 | 90,661,000 | 89,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,963,000 | 15,466,000 | 23,545,000 | 31,610,000 |
| Interest expense | 1,282,000 | 2,537,000 | 3,816,000 | 5,151,000 |
| Net interest income | 6,681,000 | 12,929,000 | 19,729,000 | 26,459,000 |
| Noninterest income | 1,129,000 | 2,369,000 | 3,574,000 | 4,662,000 |
| Noninterest expense | 5,644,000 | 11,043,000 | 16,022,000 | 21,346,000 |
| Provision for loan losses | 900,000 | 1,043,000 | 1,043,000 | 1,043,000 |
| Pretax income | 1,396,000 | 3,757,000 | 6,884,000 | 9,378,000 |
| Income tax | 200,000 | 439,000 | 1,227,000 | 1,770,000 |
| Net income | 1,196,000 | 3,318,000 | 5,657,000 | 7,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,264,000 | 78,775,000 | 80,686,000 | 82,051,000 |
| Total capital | 84,507,000 | 86,410,000 | 88,580,000 | 90,116,000 |
| Risk-weighted assets | 619,436,000 | 608,882,000 | 629,897,000 | 643,745,000 |