Call reports 2003
BANKTRUST OF ALABAMA — 2003
What BANKTRUST OF ALABAMA 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 | 161,446,000 | 165,487,000 | 157,917,000 | 185,786,000 |
| Total loans | 120,961,000 | 123,248,000 | 120,653,000 | 127,281,000 |
| Allowance for loan losses | 1,477,000 | 1,519,000 | 1,627,000 | 1,631,000 |
| Securities available for sale | 9,755,000 | 11,050,000 | 11,050,000 | 21,360,000 |
| Securities held to maturity | 10,231,000 | 10,140,000 | 9,949,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,682,000 | 139,127,000 | 132,573,000 | 128,137,000 |
| Interest-bearing deposits | 117,251,000 | 120,898,000 | 115,149,000 | 110,282,000 |
| Noninterest-bearing deposits | 18,431,000 | 18,229,000 | 17,424,000 | 17,855,000 |
| Equity capital | 14,714,000 | 15,108,000 | 15,651,000 | 37,586,000 |
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 | 2,070,000 | 4,268,000 | 6,375,000 | 23,000 |
| Interest expense | 627,000 | 1,262,000 | 1,789,000 | 4,000 |
| Net interest income | 1,443,000 | 3,006,000 | 4,586,000 | 19,000 |
| Noninterest income | 542,000 | 1,083,000 | 1,715,000 | 5,000 |
| Noninterest expense | 1,368,000 | 2,661,000 | 4,052,000 | 8,000 |
| Provision for loan losses | 87,000 | 212,000 | 419,000 | 0 |
| Pretax income | 531,000 | 1,220,000 | 1,836,000 | 16,000 |
| Income tax | 117,000 | 301,000 | 340,000 | 5,000 |
| Net income | 414,000 | 919,000 | 1,496,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,551,000 | 14,934,000 | 15,511,000 | 15,692,000 |
| Total capital | 16,028,000 | 16,453,000 | 17,138,000 | 17,323,000 |
| Risk-weighted assets | 136,737,000 | 139,609,000 | 139,529,000 | 147,100,000 |