Call reports 2017
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2017
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 592,037,000 | 592,620,000 | 596,649,000 | 602,062,000 |
| Total loans | 417,859,000 | 439,816,000 | 447,750,000 | 450,211,000 |
| Allowance for loan losses | 3,965,000 | 3,994,000 | 4,150,000 | 4,539,000 |
| Securities available for sale | 112,490,000 | 90,394,000 | 88,181,000 | 86,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,340,000 | 501,557,000 | 504,113,000 | 510,908,000 |
| Interest-bearing deposits | 363,257,000 | 362,618,000 | 370,580,000 | 372,684,000 |
| Noninterest-bearing deposits | 139,083,000 | 138,939,000 | 133,533,000 | 138,224,000 |
| Equity capital | 87,739,000 | 88,652,000 | 89,639,000 | 89,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,771,000 | 9,949,000 | 15,462,000 | 21,071,000 |
| Interest expense | 202,000 | 548,000 | 1,036,000 | 1,593,000 |
| Net interest income | 4,569,000 | 9,401,000 | 14,426,000 | 19,478,000 |
| Noninterest income | 225,000 | 454,000 | 631,000 | 905,000 |
| Noninterest expense | 3,113,000 | 6,179,000 | 9,032,000 | 10,550,000 |
| Provision for loan losses | 75,000 | 150,000 | 450,000 | 800,000 |
| Pretax income | 1,606,000 | 3,524,000 | 5,573,000 | 9,031,000 |
| Income tax | 625,000 | 1,380,000 | 2,180,000 | 3,775,000 |
| Net income | 981,000 | 2,144,000 | 3,393,000 | 5,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,949,000 | 87,811,000 | 88,760,000 | 89,422,000 |
| Total capital | 90,914,000 | 91,805,000 | 92,910,000 | 93,961,000 |
| Risk-weighted assets | 450,725,000 | 476,670,000 | 491,905,000 | 478,806,000 |