Call reports 2013
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2013
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 540,445,000 | 536,189,000 | 534,727,000 | 527,426,000 |
| Total loans | 321,357,000 | 315,359,000 | 309,235,000 | 309,361,000 |
| Allowance for loan losses | 6,525,000 | 5,553,000 | 4,774,000 | 5,195,000 |
| Securities available for sale | 86,155,000 | 91,164,000 | 92,175,000 | 85,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,765,000 | 454,846,000 | 452,824,000 | 446,300,000 |
| Interest-bearing deposits | 372,815,000 | 366,540,000 | 366,184,000 | 358,675,000 |
| Noninterest-bearing deposits | 85,950,000 | 88,306,000 | 86,640,000 | 87,625,000 |
| Equity capital | 79,593,000 | 79,297,000 | 79,567,000 | 80,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,466,000 | 11,195,000 | 14,937,000 |
| Interest expense | 262,000 | 490,000 | 687,000 | 861,000 |
| Net interest income | 3,547,000 | 6,976,000 | 10,508,000 | 14,076,000 |
| Noninterest income | 269,000 | 568,000 | 784,000 | 1,660,000 |
| Noninterest expense | 2,854,000 | 5,401,000 | 8,084,000 | 11,248,000 |
| Provision for loan losses | 200,000 | 500,000 | 800,000 | 1,000,000 |
| Pretax income | 762,000 | 1,643,000 | 2,408,000 | 3,488,000 |
| Income tax | 270,000 | 610,000 | 920,000 | 985,000 |
| Net income | 492,000 | 1,033,000 | 1,488,000 | 2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,522,000 | 77,797,000 | 77,987,000 | 78,736,000 |
| Total capital | 81,576,000 | 81,819,000 | 82,004,000 | 82,707,000 |
| Risk-weighted assets | 321,833,000 | 320,210,000 | 320,579,000 | 316,470,000 |
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