Call reports 2004
FIRST BANK OF ALABAMA — 2004
What FIRST BANK 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 | 260,544,000 | 258,570,000 | 256,074,000 | 255,588,000 |
| Total loans | 104,068,000 | 103,715,000 | 103,305,000 | 101,644,000 |
| Allowance for loan losses | 926,000 | 1,100,000 | 1,220,000 | 1,090,000 |
| Securities available for sale | 121,333,000 | 120,563,000 | 122,268,000 | 121,161,000 |
| Securities held to maturity | 14,808,000 | 13,893,000 | 13,271,000 | 12,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,681,000 | 197,684,000 | 191,501,000 | 191,437,000 |
| Interest-bearing deposits | 173,605,000 | 174,908,000 | 167,769,000 | 166,194,000 |
| Noninterest-bearing deposits | 22,076,000 | 22,776,000 | 23,732,000 | 25,243,000 |
| Equity capital | 31,573,000 | 29,416,000 | 31,901,000 | 31,870,000 |
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 | 3,701,000 | 7,041,000 | 10,418,000 | 13,860,000 |
| Interest expense | 978,000 | 1,929,000 | 2,882,000 | 3,841,000 |
| Net interest income | 2,723,000 | 5,112,000 | 7,536,000 | 10,019,000 |
| Noninterest income | 385,000 | 776,000 | 1,147,000 | 1,513,000 |
| Noninterest expense | 1,039,000 | 1,892,000 | 2,919,000 | 4,000,000 |
| Provision for loan losses | 600,000 | 850,000 | 1,000,000 | 1,150,000 |
| Pretax income | 1,469,000 | 3,179,000 | 4,808,000 | 6,435,000 |
| Income tax | 450,000 | 900,000 | 1,350,000 | 1,700,000 |
| Net income | 1,019,000 | 2,279,000 | 3,458,000 | 4,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,396,000 | 29,997,000 | 30,591,000 | 31,033,000 |
| Total capital | 30,322,000 | 31,097,000 | 31,811,000 | 32,123,000 |
| Risk-weighted assets | 173,772,000 | 176,390,000 | 174,447,000 | 173,852,000 |