Home > The Bank of Troy > Assets and Liabilities
The Bank of Troy, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 17 | 7,418 |
| Assets and Liabilities | ||
| Total Assets: | $56,626,000 | 6,499 |
| Cash and due from depository institutions | $1,923,000 | 7,418 |
| Interest-bearing balances | $95,000 | 5,163 |
| Securities | $19,395,000 | 4,927 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 5,798 |
| Net loans & leases | $26,955,000 | 7,082 |
| Loan loss allowance | $342,000 | 6,950 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,002,000 | 5,960 |
| Other real estate owned | $2,000 | 7,418 |
| Goodwill and other intangibles | $3,188,000 | 775 |
| All other assets | $2,161,000 | 3,324 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $56,626,000 | 6,499 |
| Total liabilities | $46,843,000 | 6,790 |
| Total deposits | $43,258,000 | 6,886 |
| Interest-bearing deposits | $39,472,000 | 6,627 |
| Deposits held in domestic offices | $43,258,000 | 6,884 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,000,000 | 2,382 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $2,000,000 | 3,227 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $585,000 | 5,209 |
| Total equity capital | $9,783,000 | 4,438 |
| Total bank equity capital | $9,783,000 | 4,438 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $323,000 | 5,730 |
| Surplus | $9,370,000 | 1,664 |
| Undivided profits | $90,000 | 9,587 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $95,000 | 7,381 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $439,000 | 5,098 |
| Earning assets | $48,445,000 | 6,762 |
| Long-term assets (5+ years) | $24,350,000 | 2,761 |
| Average Assets, year-to-date | $57,941,000 | 6,215 |
| Average Assets, quarterly | $57,634,500 | 6,355 |
| Volatile liabilities | $7,689,000 | 5,779 |
| Insider loans | $178,000 | 7,391 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,802,000 | 6,733 |
| Tier 1 (core) risk-based capital | $6,493,000 | 5,913 |
| Tier 2 risk-based capital | $342,000 | 6,543 |
| Total risk weighted assets | $31,928,600 | 6,692 |
| Total unused commitments | $2,802,000 | 6,748 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 19 | 7,328 |
| Assets and Liabilities | ||
| Total Assets: | $54,492,000 | 6,712 |
| Cash and due from depository institutions | $1,730,000 | 7,328 |
| Interest-bearing balances | $1,095,000 | 2,357 |
| Securities | $18,461,000 | 5,214 |
| Federal funds sold & reverse repurchase agreements | $2,800,000 | 4,116 |
| Net loans & leases | $28,365,000 | 7,055 |
| Loan loss allowance | $370,000 | 6,841 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $542,000 | 7,746 |
| Other real estate owned | $389,000 | 7,328 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $2,205,000 | 3,207 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $54,492,000 | 6,712 |
| Total liabilities | $50,027,000 | 6,612 |
| Total deposits | $46,000,000 | 6,727 |
| Interest-bearing deposits | $41,698,000 | 6,511 |
| Deposits held in domestic offices | $46,000,000 | 6,723 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,080,000 | 2,605 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $2,000,000 | 2,858 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $947,000 | 3,724 |
| Total equity capital | $4,465,000 | 7,634 |
| Total bank equity capital | $4,465,000 | 7,634 |
| Perpetual preferred stock | $943,000 | 123 |
| Common stock | $228,000 | 6,801 |
| Surplus | $1,439,000 | 6,466 |
| Undivided profits | $1,855,000 | 7,329 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $267,000 | 5,632 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $511,000 | 4,632 |
| Earning assets | $50,721,000 | 6,664 |
| Long-term assets (5+ years) | $28,070,000 | 2,188 |
| Average Assets, year-to-date | $54,936,400 | 6,519 |
| Average Assets, quarterly | $55,155,000 | 6,628 |
| Volatile liabilities | $10,059,000 | 4,991 |
| Insider loans | $242,000 | 7,090 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $3,234,000 | 6,327 |
| Tier 1 (core) risk-based capital | $4,759,000 | 7,220 |
| Tier 2 risk-based capital | $370,000 | 6,292 |
| Total risk weighted assets | $32,672,200 | 6,663 |
| Total unused commitments | $3,234,000 | 6,336 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 20 | 7,449 |
| Assets and Liabilities | ||
| Total Assets: | $53,640,000 | 6,972 |
| Cash and due from depository institutions | $1,435,000 | 7,449 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $18,448,000 | 5,602 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $28,881,000 | 7,126 |
| Loan loss allowance | $332,000 | 7,480 |
| Trading account assets | $2,023,000 | 155 |
| Bank premises and fixed assets | $588,000 | 7,669 |
| Other real estate owned | $163,000 | 7,449 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $2,102,000 | 3,451 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $53,640,000 | 6,972 |
| Total liabilities | $49,126,000 | 6,874 |
| Total deposits | $46,286,000 | 6,941 |
| Interest-bearing deposits | $41,970,000 | 6,672 |
| Deposits held in domestic offices | $46,286,000 | 6,934 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,239,000 | 2,160 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $601,000 | 5,260 |
| Total equity capital | $4,514,000 | 7,679 |
| Total bank equity capital | $4,514,000 | 7,679 |
| Perpetual preferred stock | $1,830,000 | 91 |
| Common stock | $140,000 | 8,336 |
| Surplus | $640,000 | 8,789 |
| Undivided profits | $1,904,000 | 7,384 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $50,000 | 9,053 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $463,000 | 5,008 |
| Earning assets | $49,352,000 | 6,948 |
| Long-term assets (5+ years) | $16,430,000 | 3,063 |
| Average Assets, year-to-date | $52,343,000 | 6,903 |
| Average Assets, quarterly | $53,147,000 | 6,949 |
| Volatile liabilities | $11,019,000 | 4,550 |
| Insider loans | $934,000 | 3,826 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,631,000 | 6,781 |
| Tier 1 (core) risk-based capital | $4,770,000 | 7,338 |
| Tier 2 risk-based capital | $332,000 | 6,831 |
| Total risk weighted assets | $32,721,600 | 6,765 |
| Total unused commitments | $2,631,000 | 6,795 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 21 | 7,557 |
| Assets and Liabilities | ||
| Total Assets: | $51,168,000 | 7,325 |
| Cash and due from depository institutions | $1,775,000 | 7,557 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $17,050,000 | 6,190 |
| Federal funds sold & reverse repurchase agreements | $1,400,000 | 6,522 |
| Net loans & leases | $28,432,000 | 7,222 |
| Loan loss allowance | $319,000 | 7,844 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $617,000 | 7,674 |
| Other real estate owned | $167,000 | 7,557 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,727,000 | 4,113 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $51,168,000 | 7,325 |
| Total liabilities | $46,805,000 | 7,233 |
| Total deposits | $44,028,000 | 7,302 |
| Interest-bearing deposits | $39,774,000 | 7,064 |
| Deposits held in domestic offices | $44,028,000 | 7,298 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,200,000 | 2,116 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $577,000 | 5,626 |
| Total equity capital | $4,363,000 | 7,964 |
| Total bank equity capital | $4,363,000 | 7,964 |
| Perpetual preferred stock | $1,830,000 | 100 |
| Common stock | $140,000 | 8,750 |
| Surplus | $640,000 | 9,093 |
| Undivided profits | $1,753,000 | 7,880 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $165,000 | 7,175 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $476,000 | 4,955 |
| Earning assets | $46,882,000 | 7,308 |
| Long-term assets (5+ years) | $15,568,000 | 3,004 |
| Average Assets, year-to-date | $47,680,200 | 7,412 |
| Average Assets, quarterly | $50,386,500 | 7,329 |
| Volatile liabilities | $12,441,000 | 3,880 |
| Insider loans | $25,000 | 10,296 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $2,238,000 | 7,124 |
| Tier 1 (core) risk-based capital | $4,379,000 | 7,829 |
| Tier 2 risk-based capital | $319,000 | 7,089 |
| Total risk weighted assets | $31,389,300 | 6,982 |
| Total unused commitments | $2,238,000 | 7,140 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 19 | 8,329 |
| Assets and Liabilities | ||
| Total Assets: | $44,513,000 | 8,017 |
| Cash and due from depository institutions | $1,711,000 | 8,329 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $15,174,000 | 7,080 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $25,512,000 | 7,724 |
| Loan loss allowance | $339,000 | 7,895 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $654,000 | 7,624 |
| Other real estate owned | $135,000 | 8,329 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,327,000 | 5,444 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $44,513,000 | 8,017 |
| Total liabilities | $40,581,000 | 7,975 |
| Total deposits | $39,847,000 | 7,844 |
| Interest-bearing deposits | $35,288,000 | 7,681 |
| Deposits held in domestic offices | $39,847,000 | 7,835 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $400,000 | 4,088 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $334,000 | 6,854 |
| Total equity capital | $3,932,000 | 8,264 |
| Total bank equity capital | $3,932,000 | 8,264 |
| Perpetual preferred stock | $1,830,000 | 99 |
| Common stock | $140,000 | 9,236 |
| Surplus | $640,000 | 9,414 |
| Undivided profits | $1,322,000 | 8,354 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $129,000 | 7,888 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $362,000 | 5,652 |
| Earning assets | $40,686,000 | 8,011 |
| Long-term assets (5+ years) | $20,757,000 | 2,466 |
| Average Assets, year-to-date | $43,508,800 | 8,029 |
| Average Assets, quarterly | $44,081,500 | 8,042 |
| Volatile liabilities | $7,329,000 | 5,404 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,988,000 | 7,486 |
| Tier 1 (core) risk-based capital | $4,026,000 | 8,248 |
| Tier 2 risk-based capital | $339,000 | 6,960 |
| Total risk weighted assets | $27,586,300 | 7,609 |
| Total unused commitments | $1,988,000 | 7,499 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 19 | 8,670 |
| Assets and Liabilities | ||
| Total Assets: | $42,740,000 | 8,494 |
| Cash and due from depository institutions | $1,539,000 | 8,670 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $14,247,000 | 7,643 |
| Federal funds sold & reverse repurchase agreements | $1,200,000 | 7,272 |
| Net loans & leases | $24,243,000 | 7,970 |
| Loan loss allowance | $370,000 | 7,760 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $315,000 | 10,078 |
| Other real estate owned | $177,000 | 8,670 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,019,000 | 6,010 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $42,740,000 | 8,494 |
| Total liabilities | $39,207,000 | 8,425 |
| Total deposits | $38,946,000 | 8,284 |
| Interest-bearing deposits | $34,689,000 | 8,092 |
| Deposits held in domestic offices | $38,946,000 | 8,277 |
| % 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 | $261,000 | 8,165 |
| Total equity capital | $3,533,000 | 9,009 |
| Total bank equity capital | $3,533,000 | 9,009 |
| Perpetual preferred stock | $1,830,000 | 112 |
| Common stock | $140,000 | 9,696 |
| Surplus | $640,000 | 9,706 |
| Undivided profits | $923,000 | 9,731 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $361,000 | 5,849 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $341,000 | 5,408 |
| Earning assets | $39,690,000 | 8,416 |
| Long-term assets (5+ years) | $19,479,000 | 2,726 |
| Average Assets, year-to-date | $39,582,000 | 8,729 |
| Average Assets, quarterly | $41,542,000 | 8,571 |
| Volatile liabilities | $6,920,000 | 5,365 |
| Insider loans | $0 | 11,728 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,106,000 | 9,018 |
| Tier 1 (core) risk-based capital | $3,533,000 | 8,931 |
| Tier 2 risk-based capital | $333,200 | 7,095 |
| Total risk weighted assets | $26,618,800 | 7,837 |
| Total unused commitments | $1,106,000 | 9,042 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 19 | 8,886 |
| Assets and Liabilities | ||
| Total Assets: | $37,852,000 | 9,296 |
| Cash and due from depository institutions | $1,594,000 | 8,886 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $13,555,000 | 7,803 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $21,241,000 | 8,654 |
| Loan loss allowance | $337,000 | 8,299 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $370,000 | 9,893 |
| Other real estate owned | $264,000 | 8,886 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $828,000 | 7,218 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $37,852,000 | 9,296 |
| Total liabilities | $34,683,000 | 9,240 |
| Total deposits | $34,008,000 | 9,192 |
| Interest-bearing deposits | $30,729,000 | 8,913 |
| Deposits held in domestic offices | $34,008,000 | 9,186 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $300,000 | 3,262 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $152,000 | 4,052 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $223,000 | 9,536 |
| Total equity capital | $3,169,000 | 9,461 |
| Total bank equity capital | $3,169,000 | 9,461 |
| Perpetual preferred stock | $1,809,000 | 106 |
| Common stock | $140,000 | 10,148 |
| Surplus | $640,000 | 9,906 |
| Undivided profits | $580,000 | 10,779 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $462,000 | 5,892 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $362,000 | 5,551 |
| Earning assets | $34,796,000 | 9,214 |
| Long-term assets (5+ years) | $8,415,000 | 4,826 |
| Average Assets, year-to-date | $35,308,200 | 9,491 |
| Average Assets, quarterly | $37,080,500 | 9,323 |
| Volatile liabilities | $4,161,000 | 7,262 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,589,000 | 7,964 |
| Tier 1 (core) risk-based capital | $3,169,000 | 9,391 |
| Tier 2 risk-based capital | $309,490 | 7,446 |
| Total risk weighted assets | $24,727,290 | 8,316 |
| Total unused commitments | $1,589,000 | 7,996 |
| Derivatives | $0 | 651 |