Call reports 2014
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2014
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 204,194,000 | 206,102,000 | 208,269,000 | 217,420,000 |
| Total loans | 148,357,000 | 151,393,000 | 155,859,000 | 173,056,000 |
| Allowance for loan losses | 1,150,000 | 1,220,000 | 1,343,000 | 1,125,000 |
| Securities available for sale | 43,247,000 | 39,723,000 | 31,438,000 | 30,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,177,000 | 171,610,000 | 173,083,000 | 179,897,000 |
| Interest-bearing deposits | 147,430,000 | 151,013,000 | 155,995,000 | 161,073,000 |
| Noninterest-bearing deposits | 17,747,000 | 20,597,000 | 17,088,000 | 18,824,000 |
| Equity capital | 20,151,000 | 21,040,000 | 21,656,000 | 22,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,045,000 | 4,113,000 | 6,242,000 | 8,404,000 |
| Interest expense | 339,000 | 682,000 | 1,037,000 | 1,356,000 |
| Net interest income | 1,706,000 | 3,431,000 | 5,205,000 | 7,048,000 |
| Noninterest income | 87,000 | 146,000 | 228,000 | 315,000 |
| Noninterest expense | 883,000 | 1,730,000 | 2,667,000 | 3,784,000 |
| Provision for loan losses | 151,000 | 226,000 | 350,000 | 350,000 |
| Pretax income | 887,000 | 1,767,000 | 2,714,000 | 3,527,000 |
| Income tax | 11,000 | 21,000 | 32,000 | 35,000 |
| Net income | 876,000 | 1,746,000 | 2,682,000 | 3,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,489,000 | 17,896,000 | 18,533,000 | 19,344,000 |
| Total capital | 18,639,000 | 19,116,000 | 19,876,000 | 20,469,000 |
| Risk-weighted assets | 139,582,000 | 141,131,000 | 146,582,000 | 158,638,000 |