Vitals
  • Total Assets
    1.1B 0.6 %
  • Total Deposits
    827.1M 2.0 %
  • Total Net Loans
    738.9M -3.4 %
  • Net Income
    10.9M -11.6 %
  • Book Value
    134.7M 3.3 %
  • Book Value x2
    269.5M 3.3 %
  • Book Value x3
    404.2M 3.3 %
ROAA

.997

ROAE

8.173

Efficiency Ratio

63.204

Net Interest Margin

4.171

Balance Sheet Highlights
Financial Highlights The Troy Savings Bank All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets 1,086,787 2,397,965
Total Net Loans 738,871 1,214,319
Total Deposits 827,087 1,445,558
Total Equity 134,767 230,045
Profitability
Net Income 10,871 31,327
Return on Average Assets .997 .898
Return on Average Equity 8.173 8.981
Net Interest Margin 4.171 3.574
Efficiency Ratio 63.204 64.774
Noninterest Income/Revenue 10.818 11.207
Balance Sheet Ratios
Loan-to-Deposit 89.334 73.605
Securities/Assets .127 .562
Total Equity/Total Assets .124 .096
Tangible Equity/Tangible Assets .095 -.022
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 102,972 187,163
Tier 2 Capital 9,221 17,167
Total Capital 112,193 204,609
Total Risk Weighted Assets 729,569 1,319,097
Leverage Ratio 9.82 9.051
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.11 16.192
Total Capital Ratio 15.38 17.199

Timeline for The Troy Savings Bank

First Niagara Bank, National Association

The Troy Savings Bank was acquired by First Niagara Bank, National Association 20 years

View Profile Jan 17 2004

Catskill Savings Bank

Acquisition: The Troy Savings Bank acquired a new subsidiary, Catskill Savings Bank, 23 years

View Profile Nov 11 2000

Tsb Real Property, Inc.

Tsb Real Property, Inc. became a new subsidiary organization for The Troy Savings Bank.

View Profile Mar 30 2000

Troy Realty Funding Corporation

Troy Realty Funding Corporation became a new subsidiary organization for The Troy Savings Bank.

View Profile May 01 1999

Troy Financial Corporation

Troy Financial Corporation became a new parent organization for The Troy Savings Bank.

View Profile Mar 31 1999

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Complete timeline for The Troy Savings Bank is available.

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Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Niagara Bank, National Association Buyer 32,925,808 Discontinued 1/17/2004
Catskill Savings Bank Seller 304,160 Acquisition Discontinued 11/11/2000
Relationships Role Relationship Start Relationship End
Troy Financial Corporation Parent 3/31/1999 1/16/2004
Family Investment Services Co., Inc., The Subsidary 3/31/1999 1/16/2004
Family Mortgage Banking Co., Inc., The Subsidary 3/31/1999 1/16/2004
T.S. Capital Corp. Subsidary 3/31/1999 1/16/2004
T.S. Real Property, Inc. Subsidary 3/31/1999 1/16/2004
Troy Savings Bank Charitable Foundation, Inc., The Subsidary 3/31/1999 1/16/2004
Troy Savings Bank Music Hall Foundation, Inc., The Subsidary 3/31/1999 1/16/2004
Troy Savings Bank Charitable Trust, The Subsidary 3/31/1999 1/16/2004
32 Second Street, Inc. Subsidary 3/31/1999 1/16/2004
Family Advertising Co., Inc., The Subsidary 3/31/1999 1/16/2004
Troy Sb Real Estate Co., Inc. Subsidary 3/31/1999 1/16/2004
Family Insurance Agency, Inc., The Subsidary 3/31/1999 1/16/2004
Troy Realty Funding Corporation Subsidary 5/1/1999 1/16/2004
Tsb Real Property, Inc. Subsidary 3/30/2000 1/16/2004
Troy Savings Bank Community Foundation, Inc., The Subsidary 3/31/1999 12/31/2002
507 Heights Corp. Subsidary 3/31/1999 8/31/2001
Camel Hill Corporation Subsidary 3/31/1999 8/31/2001
Realty Umbrella, Ltd. Subsidary 3/31/1999 8/31/2001
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