Call reports 2015
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2015
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 587,707,000 | 575,777,000 | 563,205,000 | 572,963,000 |
| Total loans | 329,114,000 | 335,287,000 | 351,876,000 | 334,476,000 |
| Allowance for loan losses | 3,870,000 | 3,598,000 | 3,767,000 | 3,451,000 |
| Securities available for sale | 97,536,000 | 120,046,000 | 133,204,000 | 123,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,427,000 | 491,319,000 | 477,302,000 | 488,330,000 |
| Interest-bearing deposits | 360,909,000 | 373,352,000 | 349,509,000 | 350,423,000 |
| Noninterest-bearing deposits | 143,518,000 | 117,967,000 | 127,793,000 | 137,907,000 |
| Equity capital | 81,911,000 | 82,150,000 | 83,132,000 | 83,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,873,000 | 7,938,000 | 12,136,000 | 16,280,000 |
| Interest expense | 139,000 | 268,000 | 396,000 | 518,000 |
| Net interest income | 3,734,000 | 7,670,000 | 11,740,000 | 15,762,000 |
| Noninterest income | 233,000 | 406,000 | 388,000 | 597,000 |
| Noninterest expense | 3,040,000 | 5,771,000 | 7,968,000 | 9,902,000 |
| Provision for loan losses | 300,000 | 450,000 | 600,000 | 1,000,000 |
| Pretax income | 627,000 | 1,855,000 | 3,560,000 | 5,457,000 |
| Income tax | 220,000 | 755,000 | 1,420,000 | 1,810,000 |
| Net income | 407,000 | 1,100,000 | 2,140,000 | 3,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,169,000 | 81,598,000 | 82,372,000 | 83,463,000 |
| Total capital | 85,039,000 | 85,196,000 | 86,139,000 | 86,914,000 |
| Risk-weighted assets | 343,989,000 | 357,446,000 | 379,773,000 | 373,943,000 |