Call reports 2012
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2012
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 534,753,000 | 534,283,000 | 531,141,000 | 548,627,000 |
| Total loans | 355,608,000 | 347,730,000 | 326,132,000 | 329,299,000 |
| Allowance for loan losses | 5,895,000 | 6,121,000 | 6,908,000 | 6,730,000 |
| Securities available for sale | 81,647,000 | 90,271,000 | 88,181,000 | 81,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,742,000 | 454,027,000 | 450,324,000 | 468,000,000 |
| Interest-bearing deposits | 372,423,000 | 364,233,000 | 362,435,000 | 376,126,000 |
| Noninterest-bearing deposits | 82,319,000 | 89,794,000 | 87,889,000 | 91,874,000 |
| Equity capital | 77,681,000 | 77,954,000 | 78,238,000 | 79,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,691,000 | 9,198,000 | 13,351,000 | 17,258,000 |
| Interest expense | 425,000 | 813,000 | 1,169,000 | 1,501,000 |
| Net interest income | 4,266,000 | 8,385,000 | 12,182,000 | 15,757,000 |
| Noninterest income | 320,000 | 616,000 | 917,000 | 1,251,000 |
| Noninterest expense | 2,947,000 | 5,735,000 | 8,660,000 | 10,471,000 |
| Provision for loan losses | 600,000 | 1,250,000 | 1,550,000 | 1,615,000 |
| Pretax income | 1,039,000 | 2,016,000 | 2,889,000 | 4,922,000 |
| Income tax | 375,000 | 750,000 | 1,110,000 | 1,480,000 |
| Net income | 664,000 | 1,266,000 | 1,779,000 | 3,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,312,000 | 75,650,000 | 75,897,000 | 77,295,000 |
| Total capital | 79,706,000 | 79,992,000 | 80,001,000 | 81,426,000 |
| Risk-weighted assets | 350,058,000 | 345,564,000 | 325,554,000 | 327,919,000 |
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