Call reports 2025
TROY BANK & TRUST COMPANY — 2025
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,528,851,000 | 1,580,830,000 | 1,608,780,000 | 1,622,811,000 |
| Total loans | 994,957,000 | 1,008,898,000 | 1,024,509,000 | 1,031,875,000 |
| Allowance for loan losses | 13,084,000 | 13,135,000 | 13,258,000 | 13,682,000 |
| Securities available for sale | 393,971,000 | 384,415,000 | 404,913,000 | 423,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,341,204,000 | 1,392,638,000 | 1,407,776,000 | 1,413,554,000 |
| Interest-bearing deposits | 1,048,753,000 | 1,072,934,000 | 1,089,790,000 | 1,102,078,000 |
| Noninterest-bearing deposits | 292,451,000 | 319,704,000 | 317,986,000 | 311,476,000 |
| Equity capital | 172,708,000 | 173,700,000 | 185,128,000 | 191,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,267,000 | 40,642,000 | 62,632,000 | 84,174,000 |
| Interest expense | 6,931,000 | 13,855,000 | 21,151,000 | 28,102,000 |
| Net interest income | 13,336,000 | 26,787,000 | 41,481,000 | 56,072,000 |
| Noninterest income | 1,655,000 | 3,566,000 | 5,332,000 | 7,268,000 |
| Noninterest expense | 8,164,000 | 16,919,000 | 25,781,000 | 34,188,000 |
| Provision for loan losses | 300,000 | 600,000 | 950,000 | 1,600,000 |
| Pretax income | 5,578,000 | 11,885,000 | 19,122,000 | 26,592,000 |
| Income tax | 987,000 | 2,239,000 | 3,858,000 | 5,472,000 |
| Net income | 4,591,000 | 9,646,000 | 15,264,000 | 21,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,219,000 | 193,653,000 | 198,656,000 | 202,895,000 |