Call reports 2008
FIRST BANK OF ALABAMA — 2008
What FIRST BANK OF ALABAMA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 329,540,000 | 341,504,000 | 339,029,000 | 354,417,000 |
| Total loans | 138,520,000 | 144,813,000 | 150,659,000 | 158,706,000 |
| Allowance for loan losses | 1,402,000 | 1,197,000 | 1,345,000 | 1,407,000 |
| Securities available for sale | 154,734,000 | 163,979,000 | 160,654,000 | 157,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,482,000 | 271,956,000 | 267,825,000 | 281,657,000 |
| Interest-bearing deposits | 229,621,000 | 241,147,000 | 235,988,000 | 251,251,000 |
| Noninterest-bearing deposits | 28,861,000 | 30,809,000 | 31,837,000 | 30,406,000 |
| Equity capital | 37,932,000 | 36,816,000 | 36,297,000 | 39,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,559,000 | 9,389,000 | 14,267,000 | 19,192,000 |
| Interest expense | 2,226,000 | 4,406,000 | 6,486,000 | 8,474,000 |
| Net interest income | 2,333,000 | 4,983,000 | 7,781,000 | 10,718,000 |
| Noninterest income | 407,000 | 809,000 | 1,228,000 | 1,559,000 |
| Noninterest expense | 1,311,000 | 2,737,000 | 4,048,000 | 5,345,000 |
| Provision for loan losses | 45,000 | 90,000 | 240,000 | 590,000 |
| Pretax income | 1,384,000 | 2,965,000 | 4,721,000 | 6,342,000 |
| Income tax | 348,000 | 624,000 | 971,000 | 1,230,000 |
| Net income | 1,036,000 | 2,341,000 | 3,750,000 | 5,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,332,000 | 36,979,000 | 37,730,000 | 38,433,000 |
| Total capital | 37,734,000 | 38,176,000 | 39,075,000 | 39,840,000 |
| Risk-weighted assets | 223,950,000 | 232,688,000 | 237,448,000 | 243,277,000 |