Call reports 2018
FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS — 2018
What FIRST TRUST & SAVINGS BANK OF ALBANY, ILLINOIS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 178,523,000 | 178,217,000 | 181,083,000 | 184,001,000 |
| Total loans | 132,796,000 | 126,601,000 | 123,689,000 | 127,260,000 |
| Allowance for loan losses | 1,770,000 | 1,610,000 | 1,621,000 | 1,459,000 |
| Securities available for sale | 26,447,000 | 25,637,000 | 24,682,000 | 27,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,197,000 | 152,642,000 | 155,658,000 | 157,803,000 |
| Interest-bearing deposits | 129,908,000 | 133,149,000 | 134,629,000 | 133,432,000 |
| Noninterest-bearing deposits | 20,289,000 | 19,493,000 | 21,029,000 | 24,371,000 |
| Equity capital | 25,592,000 | 25,176,000 | 25,025,000 | 25,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,403,000 | 5,124,000 | 6,792,000 |
| Interest expense | 254,000 | 488,000 | 733,000 | 1,009,000 |
| Net interest income | 1,414,000 | 2,915,000 | 4,391,000 | 5,783,000 |
| Noninterest income | 113,000 | 197,000 | 312,000 | 423,000 |
| Noninterest expense | 946,000 | 1,800,000 | 2,713,000 | 3,501,000 |
| Provision for loan losses | 0 | -150,000 | -150,000 | -150,000 |
| Pretax income | 581,000 | 1,462,000 | 2,140,000 | 2,855,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 572,000 | 1,444,000 | 2,113,000 | 2,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,440,000 | 23,119,000 | 23,089,000 | 23,796,000 |
| Total capital | 25,038,000 | 24,624,000 | 24,526,000 | 25,255,000 |
| Risk-weighted assets | 127,652,000 | 120,257,000 | 114,760,000 | 117,193,000 |