Home > Bank of Troy > Assets and Liabilities
Bank of Troy, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 7 | 9,747 |
| Assets and Liabilities | ||
| Total Assets: | $12,842,000 | 10,073 |
| Cash and due from depository institutions | $972,000 | 9,747 |
| Interest-bearing balances | $200,000 | 4,263 |
| Securities | $1,358,000 | 9,961 |
| Federal funds sold & reverse repurchase agreements | $2,225,000 | 5,565 |
| Net loans & leases | $7,889,000 | 9,790 |
| Loan loss allowance | $91,000 | 9,749 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $269,000 | 8,839 |
| Other real estate owned | $0 | 9,747 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $129,000 | 10,208 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $12,842,000 | 10,073 |
| Total liabilities | $11,951,000 | 10,005 |
| Total deposits | $11,929,000 | 9,950 |
| Interest-bearing deposits | $9,890,000 | 9,919 |
| Deposits held in domestic offices | $11,929,000 | 9,950 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $22,000 | 10,394 |
| Total equity capital | $891,000 | 10,353 |
| Total bank equity capital | $891,000 | 10,353 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $150,000 | 7,336 |
| Surplus | $510,000 | 8,473 |
| Undivided profits | $231,000 | 9,381 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $20,000 | 8,766 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $78,000 | 9,659 |
| Earning assets | $11,672,000 | 10,057 |
| Long-term assets (5+ years) | $94,000 | 9,089 |
| Average Assets, year-to-date | $12,451,400 | 10,055 |
| Average Assets, quarterly | $12,743,500 | 10,063 |
| Volatile liabilities | $1,842,000 | 9,122 |
| Insider loans | $79,000 | 8,313 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $367,000 | 9,545 |
| Tier 1 (core) risk-based capital | $891,000 | 10,342 |
| Tier 2 risk-based capital | $91,000 | 9,647 |
| Total risk weighted assets | $8,372,700 | 9,890 |
| Total unused commitments | $367,000 | 9,549 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 7 | 10,170 |
| Assets and Liabilities | ||
| Total Assets: | $11,817,000 | 10,569 |
| Cash and due from depository institutions | $823,000 | 10,170 |
| Interest-bearing balances | $400,000 | 3,303 |
| Securities | $2,123,000 | 10,277 |
| Federal funds sold & reverse repurchase agreements | $1,250,000 | 6,010 |
| Net loans & leases | $7,176,000 | 10,323 |
| Loan loss allowance | $85,000 | 10,231 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $297,000 | 8,960 |
| Other real estate owned | $0 | 10,170 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $148,000 | 10,612 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $11,817,000 | 10,569 |
| Total liabilities | $10,990,000 | 10,502 |
| Total deposits | $10,967,000 | 10,440 |
| Interest-bearing deposits | $8,946,000 | 10,405 |
| Deposits held in domestic offices | $10,967,000 | 10,440 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $23,000 | 10,861 |
| Total equity capital | $827,000 | 10,814 |
| Total bank equity capital | $827,000 | 10,814 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $150,000 | 7,662 |
| Surplus | $510,000 | 8,789 |
| Undivided profits | $167,000 | 10,001 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $87,000 | 9,981 |
| Earning assets | $10,949,000 | 10,527 |
| Long-term assets (5+ years) | $108,000 | 9,413 |
| Average Assets, year-to-date | $11,396,800 | 10,566 |
| Average Assets, quarterly | $11,601,000 | 10,575 |
| Volatile liabilities | $2,252,000 | 9,072 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $375,000 | 9,809 |
| Tier 1 (core) risk-based capital | $827,000 | 10,807 |
| Tier 2 risk-based capital | $85,000 | 10,094 |
| Total risk weighted assets | $7,460,400 | 10,412 |
| Total unused commitments | $375,000 | 9,814 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 7 | 10,651 |
| Assets and Liabilities | ||
| Total Assets: | $11,023,000 | 11,140 |
| Cash and due from depository institutions | $356,000 | 10,651 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $2,144,000 | 10,822 |
| Federal funds sold & reverse repurchase agreements | $2,345,000 | 4,468 |
| Net loans & leases | $5,716,000 | 10,976 |
| Loan loss allowance | $81,000 | 10,769 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $303,000 | 9,201 |
| Other real estate owned | $0 | 10,651 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $159,000 | 11,096 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $11,023,000 | 11,140 |
| Total liabilities | $10,280,000 | 11,061 |
| Total deposits | $10,225,000 | 11,012 |
| Interest-bearing deposits | $8,834,000 | 10,948 |
| Deposits held in domestic offices | $10,225,000 | 11,012 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $55,000 | 11,157 |
| Total equity capital | $743,000 | 11,349 |
| Total bank equity capital | $743,000 | 11,349 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $150,000 | 8,068 |
| Surplus | $510,000 | 9,156 |
| Undivided profits | $83,000 | 10,626 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $109,000 | 7,963 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $79,000 | 10,546 |
| Earning assets | $10,205,000 | 11,092 |
| Long-term assets (5+ years) | $36,000 | 9,910 |
| Average Assets, year-to-date | $11,632,000 | 11,056 |
| Average Assets, quarterly | $11,507,000 | 11,088 |
| Volatile liabilities | $2,034,000 | 9,447 |
| Insider loans | $0 | 10,271 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $558,000 | 9,655 |
| Tier 1 (core) risk-based capital | $743,000 | 11,345 |
| Tier 2 risk-based capital | $78,520 | 10,650 |
| Total risk weighted assets | $6,279,420 | 11,028 |
| Total unused commitments | $558,000 | 9,663 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 7 | 11,136 |
| Assets and Liabilities | ||
| Total Assets: | $11,500,000 | 11,584 |
| Cash and due from depository institutions | $219,000 | 11,136 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $1,405,000 | 11,541 |
| Federal funds sold & reverse repurchase agreements | $3,440,000 | 3,960 |
| Net loans & leases | $6,016,000 | 11,408 |
| Loan loss allowance | $88,000 | 11,150 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $270,000 | 9,753 |
| Other real estate owned | $0 | 11,136 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $150,000 | 11,635 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $11,500,000 | 11,584 |
| Total liabilities | $10,786,000 | 11,513 |
| Total deposits | $10,758,000 | 11,463 |
| Interest-bearing deposits | $9,568,000 | 11,369 |
| Deposits held in domestic offices | $10,758,000 | 11,463 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $28,000 | 11,880 |
| Total equity capital | $714,000 | 11,858 |
| Total bank equity capital | $714,000 | 11,858 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $150,000 | 8,467 |
| Surplus | $510,000 | 9,502 |
| Undivided profits | $54,000 | 11,229 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,000 | 10,412 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $115,000 | 10,386 |
| Earning assets | $10,861,000 | 11,523 |
| Long-term assets (5+ years) | $147,000 | 10,142 |
| Average Assets, year-to-date | $9,572,200 | 11,704 |
| Average Assets, quarterly | $11,384,000 | 11,582 |
| Volatile liabilities | $1,723,000 | 9,941 |
| Insider loans | $94,000 | 9,251 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,193,000 | 8,633 |
| Tier 1 (core) risk-based capital | $714,000 | 11,853 |
| Tier 2 risk-based capital | $80,930 | 11,052 |
| Total risk weighted assets | $6,467,330 | 11,472 |
| Total unused commitments | $1,193,000 | 8,645 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 7 | 11,707 |
| Assets and Liabilities | ||
| Total Assets: | $7,570,000 | 12,474 |
| Cash and due from depository institutions | $402,000 | 11,707 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $181,000 | 12,494 |
| Federal funds sold & reverse repurchase agreements | $2,245,000 | 3,508 |
| Net loans & leases | $4,401,000 | 12,256 |
| Loan loss allowance | $85,000 | 11,768 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $259,000 | 10,195 |
| Other real estate owned | $0 | 11,707 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $82,000 | 12,528 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $7,570,000 | 12,474 |
| Total liabilities | $6,982,000 | 12,451 |
| Total deposits | $6,948,000 | 12,411 |
| Interest-bearing deposits | $5,721,000 | 12,351 |
| Deposits held in domestic offices | $6,948,000 | 12,411 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $34,000 | 12,399 |
| Total equity capital | $588,000 | 12,516 |
| Total bank equity capital | $588,000 | 12,516 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $150,000 | 8,932 |
| Surplus | $300,000 | 10,693 |
| Undivided profits | $138,000 | 11,204 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,000 | 10,874 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $65,000 | 11,659 |
| Earning assets | $6,827,000 | 12,436 |
| Long-term assets (5+ years) | $444,000 | 10,214 |
| Average Assets, year-to-date | $8,118,600 | 12,449 |
| Average Assets, quarterly | $7,886,000 | 12,459 |
| Volatile liabilities | $500,000 | 11,894 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $578,000 | 10,123 |
| Tier 1 (core) risk-based capital | $588,000 | 12,524 |
| Tier 2 risk-based capital | $57,080 | 12,015 |
| Total risk weighted assets | $4,538,480 | 12,339 |
| Total unused commitments | $578,000 | 10,129 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 9 | 11,619 |
| Assets and Liabilities | ||
| Total Assets: | $8,270,000 | 13,100 |
| Cash and due from depository institutions | $179,000 | 11,619 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $2,194,000 | 12,493 |
| Federal funds sold & reverse repurchase agreements | $500,000 | 9,053 |
| Net loans & leases | $4,975,000 | 12,727 |
| Loan loss allowance | $117,000 | 11,787 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $301,000 | 10,215 |
| Other real estate owned | $0 | 11,619 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $121,000 | 12,960 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $8,270,000 | 13,100 |
| Total liabilities | $6,940,000 | 13,120 |
| Total deposits | $6,909,000 | 13,089 |
| Interest-bearing deposits | $5,962,000 | 12,996 |
| Deposits held in domestic offices | $6,909,000 | 13,089 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $31,000 | 13,061 |
| Total equity capital | $1,330,000 | 12,328 |
| Total bank equity capital | $1,330,000 | 12,328 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $600,000 | 5,380 |
| Surplus | $600,000 | 9,799 |
| Undivided profits | $130,000 | 11,866 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $140,000 | 8,471 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $55,000 | 12,292 |
| Earning assets | $7,669,000 | 13,038 |
| Long-term assets (5+ years) | $491,000 | 10,679 |
| Average Assets, year-to-date | $8,638,000 | 13,049 |
| Average Assets, quarterly | $8,391,000 | 13,081 |
| Volatile liabilities | $600,000 | 12,146 |
| Insider loans | $60,000 | 10,450 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $341,000 | 11,037 |
| Tier 1 (core) risk-based capital | $1,330,000 | 12,313 |
| Tier 2 risk-based capital | $61,390 | 12,467 |
| Total risk weighted assets | $4,855,590 | 12,897 |
| Total unused commitments | $341,000 | 11,048 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 8 | 12,446 |
| Assets and Liabilities | ||
| Total Assets: | $9,025,000 | 13,604 |
| Cash and due from depository institutions | $268,000 | 12,446 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $2,127,000 | 13,012 |
| Federal funds sold & reverse repurchase agreements | $590,000 | 9,891 |
| Net loans & leases | $5,582,000 | 13,032 |
| Loan loss allowance | $165,000 | 11,211 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $325,000 | 10,296 |
| Other real estate owned | $0 | 12,446 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $133,000 | 13,467 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $9,025,000 | 13,604 |
| Total liabilities | $7,919,000 | 13,605 |
| Total deposits | $7,884,000 | 13,573 |
| Interest-bearing deposits | $6,862,000 | 13,478 |
| Deposits held in domestic offices | $7,884,000 | 13,573 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $35,000 | 13,674 |
| Total equity capital | $1,106,000 | 13,047 |
| Total bank equity capital | $1,106,000 | 13,047 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $600,000 | 5,656 |
| Surplus | $600,000 | 10,013 |
| Undivided profits | $-94,000 | 12,766 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $146,000 | 9,248 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $49,000 | 13,001 |
| Earning assets | $8,299,000 | 13,536 |
| Long-term assets (5+ years) | $1,211,000 | 9,953 |
| Average Assets, year-to-date | $9,148,600 | 13,570 |
| Average Assets, quarterly | $8,753,000 | 13,623 |
| Volatile liabilities | $900,000 | 11,993 |
| Insider loans | $86,000 | 6,083 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $385,000 | 10,964 |
| Tier 1 (core) risk-based capital | $1,106,000 | 13,028 |
| Tier 2 risk-based capital | $71,030 | 12,697 |
| Total risk weighted assets | $5,588,330 | 13,301 |
| Total unused commitments | $385,000 | 10,987 |
| Derivatives | $0 | 651 |