Call reports 2005
FIRST BANK OF ALABAMA — 2005
What FIRST BANK 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 | 261,038,000 | 264,442,000 | 257,541,000 | 264,406,000 |
| Total loans | 102,990,000 | 102,636,000 | 105,895,000 | 110,215,000 |
| Allowance for loan losses | 1,191,000 | 1,312,000 | 1,402,000 | 1,436,000 |
| Securities available for sale | 120,637,000 | 126,014,000 | 115,145,000 | 113,043,000 |
| Securities held to maturity | 12,138,000 | 12,050,000 | 11,949,000 | 11,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,824,000 | 192,484,000 | 192,358,000 | 199,841,000 |
| Interest-bearing deposits | 172,072,000 | 165,956,000 | 165,103,000 | 169,444,000 |
| Noninterest-bearing deposits | 25,752,000 | 26,528,000 | 27,255,000 | 30,397,000 |
| Equity capital | 30,920,000 | 32,979,000 | 32,757,000 | 32,407,000 |
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 | 3,353,000 | 6,783,000 | 10,368,000 | 13,838,000 |
| Interest expense | 979,000 | 2,031,000 | 3,205,000 | 4,431,000 |
| Net interest income | 2,374,000 | 4,752,000 | 7,163,000 | 9,407,000 |
| Noninterest income | 400,000 | 801,000 | 1,180,000 | 1,553,000 |
| Noninterest expense | 1,062,000 | 1,963,000 | 3,074,000 | 4,391,000 |
| Provision for loan losses | 75,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 1,639,000 | 3,292,000 | 4,958,000 | 6,183,000 |
| Income tax | 450,000 | 900,000 | 1,350,000 | 1,542,000 |
| Net income | 1,189,000 | 2,392,000 | 3,608,000 | 4,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,637,000 | 32,230,000 | 32,837,000 | 33,236,000 |
| Total capital | 32,828,000 | 33,542,000 | 34,239,000 | 34,672,000 |
| Risk-weighted assets | 179,181,000 | 180,897,000 | 181,602,000 | 186,300,000 |