Call reports 2008
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2008
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,483,000 | 110,151,000 | 112,200,000 | 117,921,000 |
| Total loans | 72,541,000 | 72,454,000 | 72,226,000 | 76,650,000 |
| Allowance for loan losses | 468,000 | 453,000 | 451,000 | 454,000 |
| Securities available for sale | 22,731,000 | 20,663,000 | 24,366,000 | 25,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,206,000 | 94,172,000 | 95,790,000 | 99,933,000 |
| Interest-bearing deposits | 84,873,000 | 83,676,000 | 85,726,000 | 87,422,000 |
| Noninterest-bearing deposits | 10,333,000 | 10,496,000 | 10,064,000 | 12,511,000 |
| Equity capital | 13,449,000 | 13,199,000 | 13,692,000 | 14,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,030,000 | 4,513,000 | 6,022,000 |
| Interest expense | 709,000 | 1,268,000 | 1,777,000 | 2,282,000 |
| Net interest income | 837,000 | 1,762,000 | 2,736,000 | 3,740,000 |
| Noninterest income | 95,000 | 203,000 | 360,000 | 410,000 |
| Noninterest expense | 584,000 | 1,146,000 | 1,756,000 | 2,292,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 348,000 | 819,000 | 1,340,000 | 1,828,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 21,000 |
| Net income | 344,000 | 811,000 | 1,328,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,716,000 | 9,880,000 | 10,239,000 | 10,754,000 |
| Total capital | 10,184,000 | 10,333,000 | 10,690,000 | 11,208,000 |
| Risk-weighted assets | 71,999,000 | 71,950,000 | 71,175,000 | 75,429,000 |