Call reports 2010
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2010
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,731,000 | 118,514,000 | 119,569,000 | 125,999,000 |
| Total loans | 79,665,000 | 79,694,000 | 79,074,000 | 82,351,000 |
| Allowance for loan losses | 523,000 | 577,000 | 625,000 | 644,000 |
| Securities available for sale | 21,510,000 | 20,317,000 | 25,709,000 | 30,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,647,000 | 96,178,000 | 96,244,000 | 106,590,000 |
| Interest-bearing deposits | 81,947,000 | 86,047,000 | 85,381,000 | 93,358,000 |
| Noninterest-bearing deposits | 9,700,000 | 10,131,000 | 10,863,000 | 13,232,000 |
| Equity capital | 15,775,000 | 15,854,000 | 16,363,000 | 15,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,415,000 | 2,854,000 | 4,300,000 | 5,804,000 |
| Interest expense | 312,000 | 619,000 | 925,000 | 1,234,000 |
| Net interest income | 1,103,000 | 2,235,000 | 3,375,000 | 4,570,000 |
| Noninterest income | 96,000 | 210,000 | 341,000 | 467,000 |
| Noninterest expense | 589,000 | 1,164,000 | 1,755,000 | 2,445,000 |
| Provision for loan losses | 35,000 | 100,000 | 155,000 | 185,000 |
| Pretax income | 575,000 | 1,181,000 | 1,806,000 | 2,430,000 |
| Income tax | 6,000 | 15,000 | 24,000 | 36,000 |
| Net income | 569,000 | 1,166,000 | 1,782,000 | 2,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,144,000 | 12,296,000 | 12,699,000 | 13,346,000 |
| Total capital | 12,667,000 | 12,873,000 | 13,324,000 | 13,990,000 |
| Risk-weighted assets | 78,810,000 | 79,181,000 | 79,503,000 | 84,478,000 |