Call reports 2014
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2014
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 526,173,000 | 541,487,000 | 530,394,000 | 566,352,000 |
| Total loans | 311,309,000 | 305,871,000 | 318,716,000 | 320,281,000 |
| Allowance for loan losses | 4,106,000 | 3,891,000 | 3,242,000 | 3,508,000 |
| Securities available for sale | 91,961,000 | 97,657,000 | 101,477,000 | 94,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,429,000 | 458,860,000 | 447,317,000 | 483,796,000 |
| Interest-bearing deposits | 357,949,000 | 363,174,000 | 350,981,000 | 358,642,000 |
| Noninterest-bearing deposits | 86,480,000 | 95,686,000 | 96,336,000 | 125,154,000 |
| Equity capital | 80,207,000 | 80,632,000 | 80,914,000 | 81,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,741,000 | 7,454,000 | 11,255,000 | 15,081,000 |
| Interest expense | 157,000 | 312,000 | 463,000 | 609,000 |
| Net interest income | 3,584,000 | 7,142,000 | 10,792,000 | 14,472,000 |
| Noninterest income | -65,000 | 542,000 | 725,000 | 2,883,000 |
| Noninterest expense | 3,011,000 | 5,868,000 | 7,928,000 | 10,464,000 |
| Provision for loan losses | 200,000 | 500,000 | 1,200,000 | 3,000,000 |
| Pretax income | 308,000 | 1,316,000 | 2,389,000 | 3,891,000 |
| Income tax | 70,000 | 465,000 | 890,000 | 1,205,000 |
| Net income | 238,000 | 851,000 | 1,499,000 | 2,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,709,000 | 79,057,000 | 79,440,000 | 80,361,000 |
| Total capital | 82,720,000 | 82,948,000 | 82,682,000 | 83,869,000 |
| Risk-weighted assets | 320,764,000 | 316,147,000 | 329,650,000 | 329,835,000 |
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