Call reports 2002
WEST ALABAMA BANK & TRUST — 2002
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 321,294,000 | 324,257,000 | 340,901,000 | 340,456,000 |
| Total loans | 193,405,000 | 198,183,000 | 203,667,000 | 203,398,000 |
| Allowance for loan losses | 1,954,000 | 1,955,000 | 1,901,000 | 1,985,000 |
| Securities available for sale | 102,166,000 | 97,930,000 | 106,972,000 | 106,881,000 |
| Securities held to maturity | 431,000 | 160,000 | 160,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,941,000 | 256,961,000 | 262,432,000 | 261,259,000 |
| Interest-bearing deposits | 224,872,000 | 228,487,000 | 233,276,000 | 232,553,000 |
| Noninterest-bearing deposits | 31,069,000 | 28,474,000 | 29,156,000 | 28,706,000 |
| Equity capital | 28,995,000 | 30,725,000 | 31,963,000 | 32,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,458,000 | 10,863,000 | 16,316,000 | 21,675,000 |
| Interest expense | 2,515,000 | 4,765,000 | 7,078,000 | 9,332,000 |
| Net interest income | 2,943,000 | 6,098,000 | 9,238,000 | 12,343,000 |
| Noninterest income | 654,000 | 1,211,000 | 1,849,000 | 2,518,000 |
| Noninterest expense | 2,071,000 | 4,186,000 | 6,314,000 | 8,670,000 |
| Provision for loan losses | 225,000 | 450,000 | 700,000 | 1,540,000 |
| Pretax income | 1,305,000 | 2,669,000 | 4,070,000 | 4,653,000 |
| Income tax | 327,000 | 684,000 | 1,039,000 | 950,000 |
| Net income | 978,000 | 1,985,000 | 3,031,000 | 3,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,850,000 | 28,394,000 | 29,457,000 | 29,523,000 |
| Total capital | 29,804,000 | 30,349,000 | 31,358,000 | 31,508,000 |
| Risk-weighted assets | 209,483,000 | 216,710,000 | 223,001,000 | 227,818,000 |