Call reports 2008
ALABAMA TRUST BANK, NATIONAL ASSOCIATION — 2008
What ALABAMA TRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 112,707,000 | 114,202,000 | 91,583,000 | 81,501,000 |
| Total loans | 94,462,000 | 98,568,000 | 66,678,000 | 66,055,000 |
| Allowance for loan losses | 1,039,000 | 1,084,000 | 971,000 | 847,000 |
| Securities available for sale | 11,216,000 | 10,215,000 | 17,213,000 | 10,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,358,000 | 93,942,000 | 77,075,000 | 66,891,000 |
| Interest-bearing deposits | 78,856,000 | 79,158,000 | 63,889,000 | 55,868,000 |
| Noninterest-bearing deposits | 15,502,000 | 14,784,000 | 13,186,000 | 11,023,000 |
| Equity capital | 10,438,000 | 10,507,000 | 6,623,000 | 6,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,803,000 | 3,622,000 | 5,259,000 | 6,527,000 |
| Interest expense | 745,000 | 1,476,000 | 2,102,000 | 2,591,000 |
| Net interest income | 1,058,000 | 2,146,000 | 3,157,000 | 3,936,000 |
| Noninterest income | 246,000 | 394,000 | 477,000 | 621,000 |
| Noninterest expense | 906,000 | 1,833,000 | 2,508,000 | 3,136,000 |
| Provision for loan losses | 183,000 | 240,000 | 276,000 | 151,000 |
| Pretax income | 213,000 | 465,000 | 934,000 | 1,353,000 |
| Income tax | 63,000 | 146,000 | 299,000 | 589,000 |
| Net income | 129,000 | 272,000 | 555,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,393,000 | 10,537,000 | 6,588,000 | 6,185,000 |
| Total capital | 11,432,000 | 11,621,000 | 7,475,000 | 7,032,000 |
| Risk-weighted assets | 97,623,000 | 101,270,000 | 70,843,000 | 67,928,000 |
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