Call reports 2007
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2007
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 105,636,000 | 108,341,000 | 109,142,000 | 111,561,000 |
| Total loans | 67,321,000 | 67,079,000 | 68,707,000 | 70,918,000 |
| Allowance for loan losses | 518,000 | 516,000 | 518,000 | 512,000 |
| Securities available for sale | 25,850,000 | 25,036,000 | 25,516,000 | 24,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,886,000 | 94,678,000 | 94,796,000 | 97,053,000 |
| Interest-bearing deposits | 81,718,000 | 85,436,000 | 84,975,000 | 86,630,000 |
| Noninterest-bearing deposits | 10,168,000 | 9,242,000 | 9,821,000 | 10,423,000 |
| Equity capital | 12,127,000 | 11,930,000 | 12,425,000 | 12,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,504,000 | 3,051,000 | 4,615,000 | 6,240,000 |
| Interest expense | 643,000 | 1,327,000 | 2,050,000 | 2,831,000 |
| Net interest income | 861,000 | 1,724,000 | 2,565,000 | 3,409,000 |
| Noninterest income | 70,000 | 171,000 | 286,000 | 390,000 |
| Noninterest expense | 578,000 | 1,177,000 | 1,763,000 | 2,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 353,000 | 718,000 | 1,088,000 | 1,480,000 |
| Income tax | 5,000 | 9,000 | 12,000 | 16,000 |
| Net income | 348,000 | 709,000 | 1,076,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,851,000 | 8,928,000 | 9,162,000 | 9,336,000 |
| Total capital | 9,369,000 | 9,444,000 | 9,680,000 | 9,848,000 |
| Risk-weighted assets | 66,307,000 | 67,083,000 | 68,894,000 | 71,189,000 |
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