Call reports 2001
WEST ALABAMA BANK & TRUST — 2001
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 314,737,000 | 311,028,000 | 314,179,000 | 321,870,000 |
| Total loans | 197,625,000 | 194,865,000 | 191,040,000 | 193,014,000 |
| Allowance for loan losses | 2,283,000 | 2,141,000 | 2,032,000 | 2,061,000 |
| Securities available for sale | 86,355,000 | 88,205,000 | 93,030,000 | 103,567,000 |
| Securities held to maturity | 1,005,000 | 840,000 | 687,000 | 556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,710,000 | 254,753,000 | 256,426,000 | 256,502,000 |
| Interest-bearing deposits | 230,776,000 | 228,621,000 | 227,777,000 | 228,367,000 |
| Noninterest-bearing deposits | 28,934,000 | 26,132,000 | 28,649,000 | 28,135,000 |
| Equity capital | 27,210,000 | 27,823,000 | 29,343,000 | 28,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,340,000 | 12,557,000 | 18,622,000 | 24,333,000 |
| Interest expense | 3,464,000 | 6,813,000 | 9,982,000 | 12,841,000 |
| Net interest income | 2,876,000 | 5,744,000 | 8,640,000 | 11,492,000 |
| Noninterest income | 636,000 | 1,235,000 | 1,896,000 | 2,467,000 |
| Noninterest expense | 1,992,000 | 4,061,000 | 6,285,000 | 8,727,000 |
| Provision for loan losses | 75,000 | 250,000 | 575,000 | 1,020,000 |
| Pretax income | 1,445,000 | 2,697,000 | 3,769,000 | 4,305,000 |
| Income tax | 408,000 | 700,000 | 914,000 | 799,000 |
| Net income | 1,037,000 | 1,997,000 | 2,855,000 | 3,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,248,000 | 25,791,000 | 26,669,000 | 26,874,000 |
| Total capital | 27,531,000 | 27,932,000 | 28,701,000 | 28,935,000 |
| Risk-weighted assets | 211,741,000 | 209,600,000 | 209,471,000 | 210,735,000 |