Call reports 2020
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2020
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 625,489,000 | 672,054,000 | 686,145,000 | 690,727,000 |
| Total loans | 415,194,000 | 429,312,000 | 424,956,000 | 434,986,000 |
| Allowance for loan losses | 5,033,000 | 5,035,000 | 5,040,000 | 5,042,000 |
| Securities available for sale | 42,281,000 | 44,404,000 | 45,269,000 | 44,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,247,000 | 567,450,000 | 580,080,000 | 585,831,000 |
| Interest-bearing deposits | 408,078,000 | 415,986,000 | 428,303,000 | 427,616,000 |
| Noninterest-bearing deposits | 114,169,000 | 151,464,000 | 151,777,000 | 158,215,000 |
| Equity capital | 101,218,000 | 102,099,000 | 102,698,000 | 103,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,583,000 | 10,661,000 | 15,589,000 | 20,716,000 |
| Interest expense | 1,219,000 | 2,164,000 | 2,929,000 | 3,596,000 |
| Net interest income | 4,364,000 | 8,497,000 | 12,660,000 | 17,120,000 |
| Noninterest income | 189,000 | 359,000 | 549,000 | 706,000 |
| Noninterest expense | 3,011,000 | 5,738,000 | 8,613,000 | 10,361,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,542,000 | 3,118,000 | 4,596,000 | 7,465,000 |
| Income tax | 465,000 | 960,000 | 1,455,000 | 2,050,000 |
| Net income | 1,077,000 | 2,158,000 | 3,141,000 | 5,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,468,000 | 100,249,000 | 100,932,000 | 102,005,000 |