Call reports 2019
TROY BANK & TRUST COMPANY — 2019
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 912,723,000 | 928,091,000 | 946,085,000 | 898,839,000 |
| Total loans | 584,388,000 | 578,279,000 | 567,295,000 | 562,089,000 |
| Allowance for loan losses | 8,628,000 | 8,637,000 | 8,414,000 | 8,070,000 |
| Securities available for sale | 226,609,000 | 227,710,000 | 242,743,000 | 216,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 777,333,000 | 798,887,000 | 831,457,000 | 782,063,000 |
| Interest-bearing deposits | 740,108,000 | 765,942,000 | 811,458,000 | 773,301,000 |
| Noninterest-bearing deposits | 37,225,000 | 32,945,000 | 19,999,000 | 8,762,000 |
| Equity capital | 107,713,000 | 108,426,000 | 106,688,000 | 108,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,066,000 | 20,207,000 | 30,588,000 | 40,914,000 |
| Interest expense | 2,435,000 | 5,001,000 | 7,723,000 | 10,368,000 |
| Net interest income | 7,631,000 | 15,206,000 | 22,865,000 | 30,546,000 |
| Noninterest income | 1,191,000 | 2,944,000 | 4,151,000 | 5,478,000 |
| Noninterest expense | 5,864,000 | 11,924,000 | 17,582,000 | 23,770,000 |
| Provision for loan losses | 300,000 | 550,000 | 550,000 | 550,000 |
| Pretax income | 2,658,000 | 5,583,000 | 8,806,000 | 11,705,000 |
| Income tax | 512,000 | 1,074,000 | 1,750,000 | 2,176,000 |
| Net income | 2,146,000 | 4,509,000 | 7,056,000 | 9,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,651,000 | 104,715,000 | 103,117,000 | 105,168,000 |
| Total capital | 113,279,000 | 113,352,000 | 111,531,000 | 113,238,000 |
| Risk-weighted assets | 704,751,000 | 695,683,000 | 673,574,000 | 660,183,000 |