Vitals
  • Total Assets
    874.7M 3.0 %
  • Total Deposits
    751.4M 5.7 %
  • Total Net Loans
    466.4M 1.3 %
  • Net Income
    7.6M 18.2 %
  • Book Value
    89.1M 3.3 %
  • Book Value x2
    178.1M 3.3 %
  • Book Value x3
    267.2M 3.3 %
ROAA

.88

ROAE

8.596

Efficiency Ratio

64.755

Net Interest Margin

3.606

Balance Sheet Highlights
Financial Highlights Troy Bank & Trust Company All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 874,684 266,812
Total Net Loans 466,366 157,006
Total Deposits 751,397 227,200
Total Equity 89,062 30,855
Profitability
Net Income 7,608 2,603
Return on Average Assets .88 .91
Return on Average Equity 8.596 7.525
Net Interest Margin 3.606 3.872
Efficiency Ratio 64.755 69.238
Noninterest Income/Revenue 12.231 15.218
Balance Sheet Ratios
Loan-to-Deposit 62.067 65.031
Securities/Assets .355 .23
Total Equity/Total Assets .102 .116
Tangible Equity/Tangible Assets .099 .114
Capital Adequacy
Tier 1 Common Capital 82,051 30,655
Tier 1 Capital 82,051 30,655
Tier 2 Capital 8,065 1,864
Total Capital 90,116 32,526
Total Risk Weighted Assets 643,745 184,216
Leverage Ratio 9.14 11.829
Common Equity Tier 1 Capital Ratio 12.75 18.757
Tier 1 Capital Ratio 12.75 18.762
Total Capital Ratio 14 19.824

Timeline for Troy Bank & Trust Company

The Peoples Bank Of Coffee County

Acquisition: Troy Bank & Trust Company acquired a new subsidiary, The Peoples Bank Of Coffee County, 15 years

View Profile Jul 01 2008

Henderson Bancshares, Inc.

Henderson Bancshares, Inc. became a new parent organization for Troy Bank & Trust Company.

View Profile Sep 18 1996

Tb&T Investments, Inc.

Tb&T Investments, Inc. became a new subsidiary organization for Troy Bank & Trust Company.

View Profile Aug 01 1988

Trust No. 3 Under The Will Of Charles Henderson

Trust No. 3 Under The Will Of Charles Henderson became a new parent organization for Troy Bank & Trust Company.

View Profile Dec 31 1970

Troy Bank & Trust Company

Troy Bank & Trust Company was established 118 years ago and is currently headquartered in Troy, AL.

Jan 01 1906
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Peoples Bank Of Coffee County Seller 206,098 Pooling of Interests Discontinued 7/1/2008
Relationships Role Relationship Start Relationship End
Henderson Bancshares, Inc. Parent 9/18/1996
Trust No. 3 Under The Will Of Charles Henderson Parent 12/31/1984 9/17/1996
Trust No. 3 Under The Will Of Charles Henderson Parent 12/31/1981 12/30/1984
Trust No. 3 Under The Will Of Charles Henderson Parent 12/31/1977 12/30/1981
Trust No. 3 Under The Will Of Charles Henderson Parent 12/31/1976 12/30/1977
Trust No. 3 Under The Will Of Charles Henderson Parent 12/31/1970 12/30/1976
Tb&T Investments, Inc. Subsidary 6/30/2007
Tb&T Investments, Inc. Subsidary 8/1/1988 6/29/2007
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