Call reports 2007
ALABAMA TRUST BANK, NATIONAL ASSOCIATION — 2007
What ALABAMA TRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,155,000 | 89,661,000 | 91,942,000 | 97,236,000 |
| Total loans | 54,819,000 | 58,954,000 | 67,775,000 | 79,648,000 |
| Allowance for loan losses | 621,000 | 647,000 | 734,000 | 874,000 |
| Securities available for sale | 24,502,000 | 22,651,000 | 12,619,000 | 11,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,498,000 | 72,035,000 | 73,850,000 | 77,010,000 |
| Interest-bearing deposits | 59,527,000 | 59,774,000 | 62,716,000 | 64,763,000 |
| Noninterest-bearing deposits | 12,971,000 | 12,261,000 | 11,134,000 | 12,247,000 |
| Equity capital | 9,810,000 | 9,707,000 | 10,045,000 | 10,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,943,000 | 4,619,000 | 6,278,000 |
| Interest expense | 701,000 | 1,426,000 | 2,174,000 | 2,855,000 |
| Net interest income | 715,000 | 1,517,000 | 2,445,000 | 3,423,000 |
| Noninterest income | 122,000 | 262,000 | 400,000 | 608,000 |
| Noninterest expense | 514,000 | 1,064,000 | 1,743,000 | 2,608,000 |
| Provision for loan losses | 10,000 | 45,000 | 137,000 | 326,000 |
| Pretax income | 309,000 | 663,000 | 726,000 | 857,000 |
| Income tax | 101,000 | 219,000 | 284,000 | 257,000 |
| Net income | 188,000 | 407,000 | 390,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,877,000 | 10,096,000 | 10,078,000 | 10,265,000 |
| Total capital | 10,498,000 | 10,743,000 | 10,812,000 | 11,139,000 |
| Risk-weighted assets | 64,634,000 | 68,172,000 | 73,197,000 | 83,588,000 |