Call reports 2013
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2013
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 175,456,000 | 184,049,000 | 195,279,000 | 208,787,000 |
| Total loans | 106,475,000 | 117,535,000 | 129,220,000 | 142,557,000 |
| Allowance for loan losses | 746,000 | 973,000 | 925,000 | 1,010,000 |
| Securities available for sale | 56,597,000 | 52,296,000 | 51,398,000 | 48,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,789,000 | 162,125,000 | 173,292,000 | 186,149,000 |
| Interest-bearing deposits | 131,933,000 | 144,070,000 | 154,686,000 | 165,400,000 |
| Noninterest-bearing deposits | 18,856,000 | 18,055,000 | 18,606,000 | 20,749,000 |
| Equity capital | 19,464,000 | 18,527,000 | 18,556,000 | 19,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,514,000 | 5,421,000 | 7,447,000 |
| Interest expense | 322,000 | 667,000 | 1,008,000 | 1,349,000 |
| Net interest income | 1,411,000 | 2,847,000 | 4,413,000 | 6,098,000 |
| Noninterest income | 75,000 | 219,000 | 309,000 | 418,000 |
| Noninterest expense | 729,000 | 1,577,000 | 2,475,000 | 3,364,000 |
| Provision for loan losses | 23,000 | 223,000 | 229,000 | 383,000 |
| Pretax income | 742,000 | 1,336,000 | 2,088,000 | 2,868,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 39,000 |
| Net income | 732,000 | 1,315,000 | 2,057,000 | 2,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,355,000 | 15,748,000 | 16,236,000 | 17,062,000 |
| Total capital | 16,101,000 | 16,721,000 | 17,161,000 | 18,072,000 |
| Risk-weighted assets | 109,203,000 | 116,511,000 | 127,908,000 | 138,871,000 |