Call reports 2019
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2019
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 599,616,000 | 597,163,000 | 610,338,000 | 617,722,000 |
| Total loans | 427,467,000 | 431,202,000 | 440,575,000 | 424,829,000 |
| Allowance for loan losses | 5,015,000 | 5,018,000 | 5,023,000 | 5,028,000 |
| Securities available for sale | 61,683,000 | 58,085,000 | 56,954,000 | 47,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,331,000 | 496,643,000 | 508,078,000 | 516,079,000 |
| Interest-bearing deposits | 382,512,000 | 383,315,000 | 393,158,000 | 404,154,000 |
| Noninterest-bearing deposits | 118,819,000 | 113,328,000 | 114,920,000 | 111,925,000 |
| Equity capital | 96,270,000 | 97,736,000 | 98,968,000 | 100,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,038,000 | 12,060,000 | 18,227,000 | 24,078,000 |
| Interest expense | 965,000 | 2,011,000 | 3,251,000 | 4,568,000 |
| Net interest income | 5,073,000 | 10,049,000 | 14,976,000 | 19,510,000 |
| Noninterest income | 152,000 | 321,000 | 505,000 | 692,000 |
| Noninterest expense | 3,333,000 | 6,334,000 | 9,226,000 | 10,889,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 1,832,000 | 3,976,000 | 6,195,000 | 9,253,000 |
| Income tax | 550,000 | 1,210,000 | 1,920,000 | 2,565,000 |
| Net income | 1,282,000 | 2,766,000 | 4,275,000 | 6,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,086,000 | 96,271,000 | 97,479,000 | 98,691,000 |
| Total capital | 100,101,000 | 101,289,000 | 102,502,000 | 103,719,000 |
| Risk-weighted assets | 466,562,000 | 461,158,000 | 465,182,000 | 445,853,000 |