Call reports 2018
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2018
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 591,871,000 | 597,291,000 | 585,342,000 | 600,844,000 |
| Total loans | 444,379,000 | 425,983,000 | 425,509,000 | 426,956,000 |
| Allowance for loan losses | 4,695,000 | 4,772,000 | 4,851,000 | 4,934,000 |
| Securities available for sale | 77,047,000 | 74,729,000 | 73,227,000 | 66,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,930,000 | 502,474,000 | 488,790,000 | 504,508,000 |
| Interest-bearing deposits | 372,512,000 | 376,622,000 | 361,540,000 | 372,956,000 |
| Noninterest-bearing deposits | 126,418,000 | 125,852,000 | 127,250,000 | 131,552,000 |
| Equity capital | 90,922,000 | 92,188,000 | 93,432,000 | 95,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,502,000 | 11,149,000 | 17,022,000 | 22,956,000 |
| Interest expense | 573,000 | 1,195,000 | 1,873,000 | 2,698,000 |
| Net interest income | 4,929,000 | 9,954,000 | 15,149,000 | 20,258,000 |
| Noninterest income | 223,000 | 485,000 | 689,000 | 886,000 |
| Noninterest expense | 3,210,000 | 6,156,000 | 9,062,000 | 10,906,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 400,000 |
| Pretax income | 1,792,000 | 4,033,000 | 6,451,000 | 9,838,000 |
| Income tax | 540,000 | 1,240,000 | 2,015,000 | 2,720,000 |
| Net income | 1,252,000 | 2,793,000 | 4,436,000 | 7,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,151,000 | 91,392,000 | 92,735,000 | 94,104,000 |
| Total capital | 94,846,000 | 96,164,000 | 97,586,000 | 99,038,000 |
| Risk-weighted assets | 475,071,000 | 468,176,000 | 462,989,000 | 467,834,000 |