Call reports 2005
BANKTRUST OF ALABAMA — 2005
What BANKTRUST OF ALABAMA 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 | 219,091,000 | 236,820,000 | 230,779,000 | 232,906,000 |
| Total loans | 159,068,000 | 170,834,000 | 176,239,000 | 178,954,000 |
| Allowance for loan losses | 1,902,000 | 2,092,000 | 2,644,000 | 2,882,000 |
| Securities available for sale | 18,369,000 | 18,302,000 | 17,666,000 | 17,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,254,000 | 187,330,000 | 177,515,000 | 180,931,000 |
| Interest-bearing deposits | 146,864,000 | 148,585,000 | 155,026,000 | 158,123,000 |
| Noninterest-bearing deposits | 23,390,000 | 38,745,000 | 22,489,000 | 22,808,000 |
| Equity capital | 38,746,000 | 39,421,000 | 39,305,000 | 39,694,000 |
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 | 2,754,000 | 5,791,000 | 9,033,000 | 12,580,000 |
| Interest expense | 762,000 | 1,659,000 | 2,767,000 | 4,079,000 |
| Net interest income | 1,992,000 | 4,132,000 | 6,266,000 | 8,501,000 |
| Noninterest income | 538,000 | 1,139,000 | 1,844,000 | 2,487,000 |
| Noninterest expense | 1,512,000 | 3,072,000 | 4,660,000 | 6,277,000 |
| Provision for loan losses | 145,000 | 346,000 | 1,109,000 | 1,350,000 |
| Pretax income | 873,000 | 1,853,000 | 2,339,000 | 3,359,000 |
| Income tax | 270,000 | 545,000 | 654,000 | 947,000 |
| Net income | 603,000 | 1,308,000 | 1,685,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,071,000 | 17,704,000 | 17,757,000 | 18,260,000 |
| Total capital | 18,973,000 | 19,796,000 | 20,184,000 | 20,718,000 |
| Risk-weighted assets | 177,251,000 | 190,665,000 | 195,207,000 | 197,533,000 |