Call reports 2003
WEST ALABAMA BANK & TRUST — 2003
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 343,221,000 | 346,828,000 | 339,115,000 | 334,171,000 |
| Total loans | 196,222,000 | 193,786,000 | 188,466,000 | 192,623,000 |
| Allowance for loan losses | 2,156,000 | 2,388,000 | 2,414,000 | 2,440,000 |
| Securities available for sale | 112,364,000 | 124,615,000 | 120,831,000 | 115,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,032,000 | 267,099,000 | 268,022,000 | 260,451,000 |
| Interest-bearing deposits | 234,786,000 | 235,307,000 | 236,259,000 | 229,628,000 |
| Noninterest-bearing deposits | 30,246,000 | 31,792,000 | 31,763,000 | 30,823,000 |
| Equity capital | 33,529,000 | 34,545,000 | 28,590,000 | 29,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,939,000 | 9,691,000 | 14,221,000 | 18,679,000 |
| Interest expense | 2,093,000 | 4,108,000 | 6,012,000 | 7,791,000 |
| Net interest income | 2,846,000 | 5,583,000 | 8,209,000 | 10,888,000 |
| Noninterest income | 919,000 | 1,605,000 | 2,395,000 | 3,179,000 |
| Noninterest expense | 2,110,000 | 4,128,000 | 6,289,000 | 8,928,000 |
| Provision for loan losses | 400,000 | 1,000,000 | 1,225,000 | 1,450,000 |
| Pretax income | 1,694,000 | 2,739,000 | 3,759,000 | 4,365,000 |
| Income tax | 457,000 | 570,000 | 780,000 | 553,000 |
| Net income | 1,237,000 | 2,169,000 | 2,979,000 | 3,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,760,000 | 31,092,000 | 26,929,000 | 27,228,000 |
| Total capital | 32,916,000 | 33,480,000 | 29,343,000 | 29,668,000 |
| Risk-weighted assets | 221,898,000 | 220,960,000 | 217,685,000 | 219,417,000 |