Call reports 2004
BANKTRUST OF ALABAMA — 2004
What BANKTRUST OF ALABAMA 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 | 193,326,000 | 194,744,000 | 208,687,000 | 219,611,000 |
| Total loans | 134,614,000 | 137,749,000 | 153,061,000 | 161,382,000 |
| Allowance for loan losses | 1,670,000 | 1,731,000 | 1,901,000 | 1,771,000 |
| Securities available for sale | 20,527,000 | 19,548,000 | 19,673,000 | 19,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,269,000 | 138,712,000 | 149,708,000 | 165,749,000 |
| Interest-bearing deposits | 115,420,000 | 120,074,000 | 131,203,000 | 145,802,000 |
| Noninterest-bearing deposits | 19,849,000 | 18,638,000 | 18,505,000 | 19,947,000 |
| Equity capital | 37,954,000 | 37,804,000 | 38,275,000 | 38,607,000 |
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 | 2,064,000 | 4,175,000 | 6,524,000 | 9,114,000 |
| Interest expense | 442,000 | 914,000 | 1,470,000 | 2,137,000 |
| Net interest income | 1,622,000 | 3,261,000 | 5,054,000 | 6,977,000 |
| Noninterest income | 494,000 | 987,000 | 1,467,000 | 1,947,000 |
| Noninterest expense | 1,470,000 | 2,939,000 | 4,379,000 | 5,881,000 |
| Provision for loan losses | 45,000 | 138,000 | 355,000 | 580,000 |
| Pretax income | 600,000 | 1,170,000 | 1,786,000 | 2,462,000 |
| Income tax | 199,000 | 373,000 | 549,000 | 724,000 |
| Net income | 401,000 | 797,000 | 1,237,000 | 1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,623,000 | 15,895,000 | 16,213,000 | 16,691,000 |
| Total capital | 17,293,000 | 17,626,000 | 18,114,000 | 18,462,000 |
| Risk-weighted assets | 155,153,000 | 158,638,000 | 171,892,000 | 181,166,000 |