Call reports 2003
ALABAMA TRUST BANK, NATIONAL ASSOCIATION — 2003
What ALABAMA TRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 43,128,000 | 43,018,000 | 44,545,000 | 49,932,000 |
| Total loans | 26,229,000 | 27,961,000 | 27,547,000 | 27,545,000 |
| Allowance for loan losses | 372,000 | 381,000 | 364,000 | 413,000 |
| Securities available for sale | 12,853,000 | 10,427,000 | 13,080,000 | 17,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,483,000 | 38,180,000 | 39,645,000 | 44,990,000 |
| Interest-bearing deposits | 33,757,000 | 32,890,000 | 34,862,000 | 40,109,000 |
| Noninterest-bearing deposits | 4,726,000 | 5,290,000 | 4,783,000 | 4,881,000 |
| Equity capital | 4,497,000 | 4,645,000 | 4,617,000 | 4,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,311,000 | 1,983,000 | 2,665,000 |
| Interest expense | 174,000 | 334,000 | 484,000 | 650,000 |
| Net interest income | 467,000 | 977,000 | 1,499,000 | 2,015,000 |
| Noninterest income | 107,000 | 262,000 | 409,000 | 559,000 |
| Noninterest expense | 370,000 | 771,000 | 1,182,000 | 1,624,000 |
| Provision for loan losses | 15,000 | 35,000 | 50,000 | 210,000 |
| Pretax income | 173,000 | 401,000 | 629,000 | 684,000 |
| Income tax | 66,000 | 152,000 | 239,000 | 244,000 |
| Net income | 107,000 | 249,000 | 390,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,380,000 | 4,522,000 | 4,664,000 | 4,714,000 |
| Total capital | 4,723,000 | 4,884,000 | 5,027,000 | 5,090,000 |
| Risk-weighted assets | 27,445,000 | 28,925,000 | 29,018,000 | 29,973,000 |