Call reports 2004
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2004
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,736,000 | 58,598,000 | 58,662,000 | 61,800,000 |
| Total loans | 27,191,000 | 27,579,000 | 26,718,000 | 27,817,000 |
| Allowance for loan losses | 378,000 | 378,000 | 378,000 | 374,000 |
| Securities available for sale | 28,376,000 | 27,907,000 | 28,143,000 | 29,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,421,000 | 47,105,000 | 46,442,000 | 49,882,000 |
| Interest-bearing deposits | 44,168,000 | 43,526,000 | 43,210,000 | 45,754,000 |
| Noninterest-bearing deposits | 3,253,000 | 3,579,000 | 3,232,000 | 4,128,000 |
| Equity capital | 11,102,000 | 10,197,000 | 10,713,000 | 10,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,494,000 | 2,229,000 | 2,973,000 |
| Interest expense | 234,000 | 455,000 | 666,000 | 876,000 |
| Net interest income | 521,000 | 1,039,000 | 1,563,000 | 2,097,000 |
| Noninterest income | 23,000 | 58,000 | 87,000 | 114,000 |
| Noninterest expense | 258,000 | 532,000 | 788,000 | 1,068,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 289,000 | 568,000 | 865,000 | 1,146,000 |
| Income tax | 0 | 3,000 | 6,000 | 9,000 |
| Net income | 289,000 | 565,000 | 859,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,487,000 | 10,287,000 | 10,357,000 | 10,634,000 |
| Total capital | 10,865,000 | 10,665,000 | 10,735,000 | 11,008,000 |
| Risk-weighted assets | 32,926,000 | 33,590,000 | 33,039,000 | 34,298,000 |
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