Call reports 2005
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2005
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,224,000 | 61,147,000 | 54,001,000 | 55,330,000 |
| Total loans | 27,137,000 | 28,114,000 | 28,554,000 | 32,753,000 |
| Allowance for loan losses | 369,000 | 365,000 | 365,000 | 367,000 |
| Securities available for sale | 28,200,000 | 25,153,000 | 20,898,000 | 19,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,455,000 | 49,122,000 | 48,529,000 | 49,759,000 |
| Interest-bearing deposits | 46,151,000 | 45,123,000 | 44,566,000 | 44,398,000 |
| Noninterest-bearing deposits | 3,304,000 | 3,999,000 | 3,963,000 | 5,361,000 |
| Equity capital | 10,583,000 | 10,803,000 | 4,226,000 | 4,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,454,000 | 2,194,000 | 2,949,000 |
| Interest expense | 211,000 | 436,000 | 671,000 | 916,000 |
| Net interest income | 519,000 | 1,018,000 | 1,523,000 | 2,033,000 |
| Noninterest income | 23,000 | 59,000 | 93,000 | 123,000 |
| Noninterest expense | 266,000 | 499,000 | 776,000 | 1,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 276,000 | 550,000 | 773,000 | 990,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 273,000 | 545,000 | 765,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,656,000 | 10,649,000 | 4,160,000 | 4,374,000 |
| Total capital | 11,025,000 | 11,014,000 | 4,525,000 | 4,741,000 |
| Risk-weighted assets | 33,981,000 | 34,084,000 | 32,889,000 | 35,952,000 |
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