Call reports 2015
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2015
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 212,685,000 | 227,494,000 | 234,028,000 | 243,313,000 |
| Total loans | 179,076,000 | 191,906,000 | 193,037,000 | 194,706,000 |
| Allowance for loan losses | 1,268,000 | 1,426,000 | 1,809,000 | 1,872,000 |
| Securities available for sale | 19,038,000 | 18,489,000 | 18,317,000 | 17,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,054,000 | 187,769,000 | 194,115,000 | 205,779,000 |
| Interest-bearing deposits | 158,581,000 | 169,892,000 | 176,837,000 | 184,958,000 |
| Noninterest-bearing deposits | 17,473,000 | 17,877,000 | 17,278,000 | 20,821,000 |
| Equity capital | 22,945,000 | 22,902,000 | 23,021,000 | 23,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,231,000 | 4,470,000 | 6,701,000 | 8,895,000 |
| Interest expense | 325,000 | 647,000 | 1,004,000 | 1,379,000 |
| Net interest income | 1,906,000 | 3,823,000 | 5,697,000 | 7,516,000 |
| Noninterest income | 84,000 | 251,000 | 499,000 | 628,000 |
| Noninterest expense | 1,126,000 | 2,329,000 | 3,483,000 | 4,610,000 |
| Provision for loan losses | 41,000 | 170,000 | 670,000 | 745,000 |
| Pretax income | 819,000 | 1,571,000 | 2,039,000 | 2,805,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 29,000 |
| Net income | 804,000 | 1,541,000 | 1,994,000 | 2,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,672,000 | 19,859,000 | 19,941,000 | 20,723,000 |
| Total capital | 20,940,000 | 21,285,000 | 21,750,000 | 22,595,000 |
| Risk-weighted assets | 161,468,000 | 173,782,000 | 175,488,000 | 178,728,000 |