Call reports 2016
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2016
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 223,248,000 | 222,342,000 | 216,335,000 | 213,361,000 |
| Total loans | 194,112,000 | 185,054,000 | 180,957,000 | 170,656,000 |
| Allowance for loan losses | 1,892,000 | 1,898,000 | 2,046,000 | 1,878,000 |
| Securities available for sale | 15,252,000 | 13,927,000 | 13,850,000 | 12,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,895,000 | 179,026,000 | 184,352,000 | 181,211,000 |
| Interest-bearing deposits | 160,667,000 | 161,165,000 | 165,894,000 | 161,025,000 |
| Noninterest-bearing deposits | 18,228,000 | 17,861,000 | 18,458,000 | 20,186,000 |
| Equity capital | 24,249,000 | 24,303,000 | 24,354,000 | 24,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,181,000 | 4,304,000 | 6,320,000 | 8,384,000 |
| Interest expense | 322,000 | 678,000 | 1,024,000 | 1,360,000 |
| Net interest income | 1,859,000 | 3,626,000 | 5,296,000 | 7,024,000 |
| Noninterest income | 152,000 | 297,000 | 516,000 | 722,000 |
| Noninterest expense | 1,183,000 | 2,503,000 | 3,906,000 | 5,135,000 |
| Provision for loan losses | 0 | 10,000 | 160,000 | 224,000 |
| Pretax income | 828,000 | 1,460,000 | 1,796,000 | 2,437,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 28,000 |
| Net income | 813,000 | 1,430,000 | 1,751,000 | 2,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,076,000 | 21,114,000 | 21,215,000 | 21,873,000 |
| Total capital | 22,968,000 | 23,012,000 | 23,261,000 | 23,751,000 |
| Risk-weighted assets | 175,936,000 | 172,828,000 | 165,978,000 | 157,763,000 |