Call reports 2016
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2016
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 564,317,000 | 547,942,000 | 545,057,000 | 553,258,000 |
| Total loans | 359,984,000 | 368,841,000 | 379,228,000 | 391,823,000 |
| Allowance for loan losses | 3,616,000 | 3,802,000 | 3,862,000 | 3,878,000 |
| Securities available for sale | 127,223,000 | 132,724,000 | 132,487,000 | 120,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,785,000 | 460,500,000 | 456,335,000 | 465,654,000 |
| Interest-bearing deposits | 360,219,000 | 338,368,000 | 333,695,000 | 333,911,000 |
| Noninterest-bearing deposits | 117,566,000 | 122,132,000 | 122,640,000 | 131,743,000 |
| Equity capital | 84,911,000 | 85,470,000 | 86,576,000 | 86,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,179,000 | 8,516,000 | 12,997,000 | 17,616,000 |
| Interest expense | 124,000 | 247,000 | 368,000 | 483,000 |
| Net interest income | 4,055,000 | 8,269,000 | 12,629,000 | 17,133,000 |
| Noninterest income | 316,000 | 569,000 | 815,000 | 1,067,000 |
| Noninterest expense | 2,915,000 | 5,547,000 | 8,112,000 | 9,984,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 1,306,000 | 2,991,000 | 4,882,000 | 7,766,000 |
| Income tax | 505,000 | 1,155,000 | 1,880,000 | 2,740,000 |
| Net income | 801,000 | 1,836,000 | 3,002,000 | 5,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,777,000 | 84,547,000 | 85,447,000 | 86,455,000 |
| Total capital | 87,393,000 | 88,349,000 | 89,309,000 | 90,333,000 |
| Risk-weighted assets | 394,093,000 | 405,500,000 | 418,252,000 | 428,275,000 |