Call reports 2017
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2017
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 193,203,000 | 192,690,000 | 193,437,000 | 190,288,000 |
| Total loans | 155,275,000 | 150,097,000 | 142,391,000 | 144,318,000 |
| Allowance for loan losses | 1,831,000 | 1,822,000 | 1,917,000 | 1,825,000 |
| Securities available for sale | 19,619,000 | 20,440,000 | 21,847,000 | 28,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,268,000 | 164,461,000 | 165,250,000 | 161,960,000 |
| Interest-bearing deposits | 145,846,000 | 145,743,000 | 144,140,000 | 141,008,000 |
| Noninterest-bearing deposits | 19,422,000 | 18,718,000 | 21,110,000 | 20,952,000 |
| Equity capital | 24,925,000 | 25,195,000 | 25,380,000 | 25,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,780,000 | 3,618,000 | 5,400,000 | 7,172,000 |
| Interest expense | 383,000 | 644,000 | 904,000 | 1,151,000 |
| Net interest income | 1,397,000 | 2,974,000 | 4,496,000 | 6,021,000 |
| Noninterest income | 120,000 | 229,000 | 379,000 | 527,000 |
| Noninterest expense | 1,115,000 | 2,172,000 | 3,246,000 | 4,317,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 150,000 |
| Pretax income | 402,000 | 1,031,000 | 1,479,000 | 2,081,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 25,000 |
| Net income | 387,000 | 1,001,000 | 1,434,000 | 2,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,149,000 | 22,293,000 | 22,527,000 | 23,149,000 |
| Total capital | 23,924,000 | 24,025,000 | 24,192,000 | 24,824,000 |
| Risk-weighted assets | 141,918,000 | 138,488,000 | 132,982,000 | 133,873,000 |