Call reports 2021
TROY BANK & TRUST COMPANY — 2021
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,207,082,000 | 1,262,700,000 | 1,315,306,000 | 1,393,405,000 |
| Total loans | 650,081,000 | 669,961,000 | 702,222,000 | 749,041,000 |
| Allowance for loan losses | 10,017,000 | 9,226,000 | 9,283,000 | 9,467,000 |
| Securities available for sale | 351,094,000 | 372,134,000 | 420,284,000 | 460,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,075,615,000 | 1,112,735,000 | 1,156,348,000 | 1,228,407,000 |
| Interest-bearing deposits | 1,021,496,000 | 1,098,340,000 | 1,138,048,000 | 1,194,818,000 |
| Noninterest-bearing deposits | 54,119,000 | 14,395,000 | 18,300,000 | 33,589,000 |
| Equity capital | 121,165,000 | 139,606,000 | 147,960,000 | 150,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,053,000 | 20,324,000 | 31,575,000 | 43,271,000 |
| Interest expense | 1,498,000 | 2,903,000 | 4,244,000 | 5,581,000 |
| Net interest income | 8,555,000 | 17,421,000 | 27,331,000 | 37,690,000 |
| Noninterest income | 1,767,000 | 3,473,000 | 5,053,000 | 6,698,000 |
| Noninterest expense | 7,271,000 | 14,790,000 | 22,108,000 | 29,332,000 |
| Provision for loan losses | -3,500,000 | -3,500,000 | -3,200,000 | -2,475,000 |
| Pretax income | 6,565,000 | 9,916,000 | 13,812,000 | 17,909,000 |
| Income tax | 1,212,000 | 2,208,000 | 2,945,000 | 3,746,000 |
| Net income | 5,353,000 | 7,708,000 | 10,867,000 | 14,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,048,000 | 130,455,000 | 139,524,000 | 142,423,000 |