Call reports 2006
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2006
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,016,000 | 54,837,000 | 102,902,000 | 103,377,000 |
| Total loans | 34,938,000 | 37,260,000 | 63,792,000 | 64,472,000 |
| Allowance for loan losses | 363,000 | 363,000 | 550,000 | 526,000 |
| Securities available for sale | 15,531,000 | 14,599,000 | 28,724,000 | 26,526,000 |
| Securities held to maturity | 0 | 0 | 40,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,626,000 | 46,589,000 | 86,775,000 | 89,892,000 |
| Interest-bearing deposits | 43,522,000 | 42,818,000 | 76,701,000 | 78,756,000 |
| Noninterest-bearing deposits | 4,104,000 | 3,771,000 | 10,074,000 | 11,136,000 |
| Equity capital | 4,315,000 | 4,136,000 | 11,475,000 | 11,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,593,000 | 4,169,000 | 5,667,000 |
| Interest expense | 259,000 | 534,000 | 1,577,000 | 2,211,000 |
| Net interest income | 525,000 | 1,059,000 | 2,592,000 | 3,456,000 |
| Noninterest income | 30,000 | 76,000 | 232,000 | 313,000 |
| Noninterest expense | 290,000 | 567,000 | 1,717,000 | 2,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 237,000 | 539,000 | 1,076,000 | 1,409,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 234,000 | 532,000 | 1,066,000 | 1,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,494,000 | 4,472,000 | 8,260,000 | 8,626,000 |
| Total capital | 4,857,000 | 4,835,000 | 8,810,000 | 9,152,000 |
| Risk-weighted assets | 36,940,000 | 38,004,000 | 64,308,000 | 64,157,000 |
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