Call reports 2024
TROY BANK & TRUST COMPANY — 2024
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,514,834,000 | 1,504,242,000 | 1,517,870,000 | 1,517,551,000 |
| Total loans | 964,354,000 | 977,761,000 | 974,810,000 | 998,670,000 |
| Allowance for loan losses | 12,995,000 | 13,171,000 | 13,108,000 | 13,143,000 |
| Securities available for sale | 417,225,000 | 411,144,000 | 423,829,000 | 396,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,360,408,000 | 1,332,503,000 | 1,334,358,000 | 1,336,678,000 |
| Interest-bearing deposits | 1,078,142,000 | 1,040,790,000 | 1,047,340,000 | 1,059,827,000 |
| Noninterest-bearing deposits | 282,266,000 | 291,713,000 | 287,018,000 | 276,851,000 |
| Equity capital | 140,720,000 | 157,645,000 | 169,128,000 | 165,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 19,351,000 | 39,328,000 | 59,684,000 | 80,143,000 |
| Interest expense | 8,018,000 | 15,948,000 | 23,920,000 | 31,307,000 |
| Net interest income | 11,333,000 | 23,380,000 | 35,764,000 | 48,836,000 |
| Noninterest income | 1,693,000 | 3,552,000 | 5,398,000 | 7,427,000 |
| Noninterest expense | 8,143,000 | 16,579,000 | 25,011,000 | 33,416,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,150,000 |
| Pretax income | 4,022,000 | 9,192,000 | 14,690,000 | 21,162,000 |
| Income tax | 866,000 | 1,992,000 | 3,260,000 | 4,768,000 |
| Net income | 3,156,000 | 7,200,000 | 11,430,000 | 16,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,424,000 | 179,169,000 | 182,814,000 | 186,195,000 |