Call reports 2004
ALABAMA TRUST BANK, NATIONAL ASSOCIATION — 2004
What ALABAMA TRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,140,000 | 59,269,000 | 62,379,000 | 60,440,000 |
| Total loans | 26,573,000 | 27,844,000 | 28,313,000 | 29,708,000 |
| Allowance for loan losses | 432,000 | 441,000 | 460,000 | 468,000 |
| Securities available for sale | 21,139,000 | 25,519,000 | 28,253,000 | 27,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,089,000 | 48,495,000 | 51,013,000 | 49,020,000 |
| Interest-bearing deposits | 41,468,000 | 41,485,000 | 42,870,000 | 41,975,000 |
| Noninterest-bearing deposits | 6,621,000 | 7,010,000 | 8,143,000 | 7,045,000 |
| Equity capital | 4,891,000 | 4,604,000 | 5,133,000 | 5,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 691,000 | 1,400,000 | 2,207,000 | 3,051,000 |
| Interest expense | 184,000 | 347,000 | 578,000 | 808,000 |
| Net interest income | 507,000 | 1,053,000 | 1,629,000 | 2,243,000 |
| Noninterest income | 148,000 | 317,000 | 461,000 | 604,000 |
| Noninterest expense | 450,000 | 906,000 | 1,379,000 | 1,813,000 |
| Provision for loan losses | 20,000 | 35,000 | 55,000 | 210,000 |
| Pretax income | 195,000 | 427,000 | 645,000 | 804,000 |
| Income tax | 74,000 | 162,000 | 245,000 | 197,000 |
| Net income | 121,000 | 265,000 | 400,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,835,000 | 4,979,000 | 5,115,000 | 5,321,000 |
| Total capital | 5,212,000 | 5,405,000 | 5,561,000 | 5,781,000 |
| Risk-weighted assets | 30,139,000 | 34,096,000 | 35,705,000 | 36,771,000 |