Call reports 2005
ALABAMA TRUST BANK, NATIONAL ASSOCIATION — 2005
What ALABAMA TRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 63,124,000 | 62,142,000 | 63,918,000 | 68,715,000 |
| Total loans | 31,256,000 | 33,719,000 | 37,602,000 | 39,903,000 |
| Allowance for loan losses | 446,000 | 381,000 | 471,000 | 601,000 |
| Securities available for sale | 25,553,000 | 25,187,000 | 20,776,000 | 20,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,701,000 | 50,200,000 | 52,040,000 | 55,362,000 |
| Interest-bearing deposits | 41,896,000 | 41,722,000 | 43,331,000 | 45,429,000 |
| Noninterest-bearing deposits | 9,805,000 | 8,478,000 | 8,709,000 | 9,933,000 |
| Equity capital | 5,291,000 | 5,504,000 | 5,583,000 | 5,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 837,000 | 1,699,000 | 2,659,000 | 3,662,000 |
| Interest expense | 237,000 | 496,000 | 792,000 | 1,218,000 |
| Net interest income | 600,000 | 1,203,000 | 1,867,000 | 2,444,000 |
| Noninterest income | 124,000 | 239,000 | 350,000 | 632,000 |
| Noninterest expense | 484,000 | 967,000 | 1,462,000 | 1,975,000 |
| Provision for loan losses | 15,000 | 40,000 | 130,000 | 340,000 |
| Pretax income | 221,000 | 423,000 | 581,000 | 712,000 |
| Income tax | 84,000 | 161,000 | 221,000 | 103,000 |
| Net income | 137,000 | 262,000 | 360,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,458,000 | 5,583,000 | 5,681,000 | 5,872,000 |
| Total capital | 5,904,000 | 5,964,000 | 6,152,000 | 6,473,000 |
| Risk-weighted assets | 38,808,000 | 40,438,000 | 44,042,000 | 48,385,000 |
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