Call reports 2004
WEST ALABAMA BANK & TRUST — 2004
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 335,393,000 | 342,847,000 | 345,171,000 | 348,621,000 |
| Total loans | 194,439,000 | 198,100,000 | 195,959,000 | 200,573,000 |
| Allowance for loan losses | 2,401,000 | 2,384,000 | 2,317,000 | 2,126,000 |
| Securities available for sale | 111,201,000 | 109,899,000 | 119,159,000 | 119,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,111,000 | 262,141,000 | 262,556,000 | 263,884,000 |
| Interest-bearing deposits | 230,566,000 | 227,652,000 | 228,799,000 | 229,182,000 |
| Noninterest-bearing deposits | 30,545,000 | 34,489,000 | 33,757,000 | 34,702,000 |
| Equity capital | 31,315,000 | 28,998,000 | 31,703,000 | 31,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,465,000 | 9,004,000 | 13,563,000 | 18,283,000 |
| Interest expense | 1,703,000 | 3,427,000 | 5,210,000 | 7,068,000 |
| Net interest income | 2,762,000 | 5,577,000 | 8,353,000 | 11,215,000 |
| Noninterest income | 911,000 | 1,581,000 | 2,484,000 | 3,358,000 |
| Noninterest expense | 2,142,000 | 4,578,000 | 6,866,000 | 9,792,000 |
| Provision for loan losses | 225,000 | 450,000 | 680,000 | 840,000 |
| Pretax income | 1,429,000 | 2,267,000 | 3,431,000 | 4,009,000 |
| Income tax | 283,000 | 243,000 | 454,000 | -12,000 |
| Net income | 1,146,000 | 2,024,000 | 2,977,000 | 4,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,380,000 | 28,689,000 | 29,655,000 | 30,153,000 |
| Total capital | 30,781,000 | 31,073,000 | 31,972,000 | 32,279,000 |
| Risk-weighted assets | 220,248,000 | 226,621,000 | 223,935,000 | 229,623,000 |