Call reports 2006
BANKTRUST OF ALABAMA — 2006
What BANKTRUST OF ALABAMA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 244,378,000 | 252,608,000 | 246,458,000 | 259,308,000 |
| Total loans | 184,561,000 | 183,646,000 | 179,713,000 | 184,511,000 |
| Allowance for loan losses | 3,037,000 | 3,004,000 | 2,570,000 | 2,736,000 |
| Securities available for sale | 16,762,000 | 16,107,000 | 15,789,000 | 15,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,438,000 | 202,671,000 | 195,548,000 | 206,916,000 |
| Interest-bearing deposits | 170,632,000 | 175,537,000 | 171,460,000 | 178,677,000 |
| Noninterest-bearing deposits | 23,806,000 | 27,134,000 | 24,088,000 | 28,239,000 |
| Equity capital | 40,164,000 | 40,521,000 | 40,814,000 | 41,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,694,000 | 7,710,000 | 11,819,000 | 16,032,000 |
| Interest expense | 1,460,000 | 3,120,000 | 4,922,000 | 6,854,000 |
| Net interest income | 2,234,000 | 4,590,000 | 6,897,000 | 9,178,000 |
| Noninterest income | 638,000 | 1,229,000 | 1,888,000 | 2,504,000 |
| Noninterest expense | 1,547,000 | 3,162,000 | 4,868,000 | 6,480,000 |
| Provision for loan losses | 166,000 | 330,000 | 783,000 | 950,000 |
| Pretax income | 1,115,000 | 2,283,000 | 3,090,000 | 4,208,000 |
| Income tax | 323,000 | 673,000 | 918,000 | 1,268,000 |
| Net income | 792,000 | 1,610,000 | 2,172,000 | 2,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,830,000 | 19,325,000 | 19,565,000 | 20,410,000 |
| Total capital | 21,370,000 | 21,858,000 | 22,061,000 | 22,987,000 |
| Risk-weighted assets | 203,982,000 | 203,942,000 | 201,544,000 | 207,778,000 |