Call reports 2009
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2009
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,552,000 | 111,196,000 | 113,498,000 | 117,995,000 |
| Total loans | 74,964,000 | 75,048,000 | 74,143,000 | 78,756,000 |
| Allowance for loan losses | 467,000 | 498,000 | 478,000 | 502,000 |
| Securities available for sale | 23,451,000 | 23,325,000 | 25,122,000 | 22,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,323,000 | 93,404,000 | 95,395,000 | 98,843,000 |
| Interest-bearing deposits | 82,017,000 | 83,778,000 | 86,061,000 | 87,181,000 |
| Noninterest-bearing deposits | 9,306,000 | 9,626,000 | 9,334,000 | 11,662,000 |
| Equity capital | 14,815,000 | 14,709,000 | 15,295,000 | 15,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,482,000 | 2,930,000 | 4,325,000 | 5,761,000 |
| Interest expense | 440,000 | 833,000 | 1,207,000 | 1,545,000 |
| Net interest income | 1,042,000 | 2,097,000 | 3,118,000 | 4,216,000 |
| Noninterest income | 94,000 | 260,000 | 397,000 | 544,000 |
| Noninterest expense | 584,000 | 1,257,000 | 1,886,000 | 2,561,000 |
| Provision for loan losses | 15,000 | 75,000 | 105,000 | 135,000 |
| Pretax income | 537,000 | 1,025,000 | 1,524,000 | 2,087,000 |
| Income tax | 6,000 | 14,000 | 22,000 | 26,000 |
| Net income | 531,000 | 1,011,000 | 1,502,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,099,000 | 11,179,000 | 11,449,000 | 12,045,000 |
| Total capital | 11,566,000 | 11,677,000 | 11,927,000 | 12,547,000 |
| Risk-weighted assets | 73,559,000 | 73,974,000 | 73,886,000 | 78,320,000 |