Call reports 2009
PEOPLES BANK OF ALABAMA — 2009
What PEOPLES BANK OF ALABAMA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 513,336,000 | 515,912,000 | 519,496,000 | 495,959,000 |
| Total loans | 352,987,000 | 371,861,000 | 388,581,000 | 377,125,000 |
| Allowance for loan losses | 4,784,000 | 5,195,000 | 5,104,000 | 4,767,000 |
| Securities available for sale | 74,373,000 | 70,221,000 | 34,113,000 | 42,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,367,000 | 426,241,000 | 432,238,000 | 414,696,000 |
| Interest-bearing deposits | 376,799,000 | 384,291,000 | 394,154,000 | 374,913,000 |
| Noninterest-bearing deposits | 45,567,000 | 41,950,000 | 38,084,000 | 39,784,000 |
| Equity capital | 40,417,000 | 38,772,000 | 39,152,000 | 39,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,419,000 | 13,027,000 | 19,305,000 | 25,054,000 |
| Interest expense | 2,616,000 | 5,238,000 | 7,831,000 | 9,978,000 |
| Net interest income | 3,803,000 | 7,789,000 | 11,474,000 | 15,076,000 |
| Noninterest income | 2,820,000 | 6,036,000 | 9,464,000 | 12,866,000 |
| Noninterest expense | 5,030,000 | 10,644,000 | 16,054,000 | 22,090,000 |
| Provision for loan losses | 794,000 | 2,811,000 | 3,684,000 | 4,200,000 |
| Pretax income | 799,000 | -88,000 | 846,000 | -302,000 |
| Income tax | 803,000 | 813,000 | 856,000 | 683,000 |
| Net income | -4,000 | -901,000 | -10,000 | -985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,476,000 | 40,960,000 | 41,667,000 | 40,809,000 |
| Total capital | 47,237,000 | 45,926,000 | 46,771,000 | 45,576,000 |
| Risk-weighted assets | 380,876,000 | 419,912,000 | 452,527,000 | 429,028,000 |