Call reports 2017
TROY BANK & TRUST COMPANY — 2017
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 880,289,000 | 852,761,000 | 904,937,000 | 899,667,000 |
| Total loans | 482,047,000 | 493,886,000 | 516,678,000 | 528,865,000 |
| Allowance for loan losses | 7,889,000 | 7,989,000 | 7,702,000 | 7,863,000 |
| Securities available for sale | 311,238,000 | 293,879,000 | 279,053,000 | 279,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,079,000 | 737,095,000 | 768,464,000 | 773,281,000 |
| Interest-bearing deposits | 703,074,000 | 677,094,000 | 737,670,000 | 740,353,000 |
| Noninterest-bearing deposits | 62,005,000 | 60,001,000 | 30,794,000 | 32,928,000 |
| Equity capital | 91,693,000 | 94,461,000 | 96,201,000 | 96,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,083,000 | 16,536,000 | 25,327,000 | 34,284,000 |
| Interest expense | 1,263,000 | 2,648,000 | 4,135,000 | 5,797,000 |
| Net interest income | 6,820,000 | 13,888,000 | 21,192,000 | 28,487,000 |
| Noninterest income | 1,384,000 | 2,470,000 | 4,093,000 | 5,247,000 |
| Noninterest expense | 5,132,000 | 10,150,000 | 15,919,000 | 21,340,000 |
| Provision for loan losses | 0 | 0 | 0 | 160,000 |
| Pretax income | 3,114,000 | 6,257,000 | 9,453,000 | 12,354,000 |
| Income tax | 721,000 | 1,472,000 | 1,964,000 | 2,827,000 |
| Net income | 2,393,000 | 4,785,000 | 7,489,000 | 9,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,013,000 | 85,812,000 | 87,275,000 | 89,418,000 |
| Total capital | 91,902,000 | 93,676,000 | 94,977,000 | 97,281,000 |
| Risk-weighted assets | 637,332,000 | 628,326,000 | 663,626,000 | 676,552,000 |