Call reports 2008
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2008
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 512,418,000 | 517,906,000 | 525,621,000 | 512,866,000 |
| Total loans | 429,842,000 | 427,411,000 | 413,606,000 | 425,226,000 |
| Allowance for loan losses | 3,819,000 | 3,907,000 | 3,987,000 | 4,064,000 |
| Securities available for sale | 53,078,000 | 49,016,000 | 58,045,000 | 59,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,689,000 | 442,245,000 | 447,697,000 | 432,824,000 |
| Interest-bearing deposits | 363,612,000 | 360,624,000 | 373,053,000 | 364,896,000 |
| Noninterest-bearing deposits | 74,077,000 | 81,621,000 | 74,644,000 | 67,928,000 |
| Equity capital | 68,214,000 | 68,851,000 | 70,406,000 | 71,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,862,000 | 15,156,000 | 22,368,000 | 29,162,000 |
| Interest expense | 2,746,000 | 4,946,000 | 7,168,000 | 9,277,000 |
| Net interest income | 5,116,000 | 10,210,000 | 15,200,000 | 19,885,000 |
| Noninterest income | 365,000 | 715,000 | 1,024,000 | 1,344,000 |
| Noninterest expense | 3,392,000 | 6,283,000 | 8,849,000 | 10,949,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,014,000 | 4,492,000 | 7,150,000 | 9,980,000 |
| Income tax | 775,000 | 1,735,000 | 2,735,000 | 3,397,000 |
| Net income | 1,239,000 | 2,757,000 | 4,415,000 | 6,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,189,000 | 67,476,000 | 68,902,000 | 69,575,000 |
| Total capital | 70,008,000 | 71,383,000 | 72,889,000 | 73,639,000 |
| Risk-weighted assets | 406,648,000 | 406,200,000 | 412,179,000 | 424,700,000 |
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