Call reports 2005
WEST ALABAMA BANK & TRUST — 2005
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 350,007,000 | 356,386,000 | 363,765,000 | 368,567,000 |
| Total loans | 206,579,000 | 210,203,000 | 209,148,000 | 210,563,000 |
| Allowance for loan losses | 2,018,000 | 2,071,000 | 2,089,000 | 1,854,000 |
| Securities available for sale | 112,405,000 | 112,578,000 | 113,173,000 | 121,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,154,000 | 273,771,000 | 280,838,000 | 285,262,000 |
| Interest-bearing deposits | 233,238,000 | 237,015,000 | 239,921,000 | 246,028,000 |
| Noninterest-bearing deposits | 34,916,000 | 36,756,000 | 40,917,000 | 39,234,000 |
| Equity capital | 31,935,000 | 32,792,000 | 33,656,000 | 33,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,771,000 | 9,703,000 | 14,786,000 | 20,215,000 |
| Interest expense | 1,923,000 | 3,955,000 | 6,098,000 | 8,355,000 |
| Net interest income | 2,848,000 | 5,748,000 | 8,688,000 | 11,860,000 |
| Noninterest income | 780,000 | 1,615,000 | 2,734,000 | 3,784,000 |
| Noninterest expense | 2,134,000 | 4,105,000 | 6,591,000 | 9,248,000 |
| Provision for loan losses | 160,000 | 625,000 | 790,000 | 955,000 |
| Pretax income | 1,350,000 | 2,652,000 | 4,072,000 | 5,492,000 |
| Income tax | 331,000 | 558,000 | 888,000 | 975,000 |
| Net income | 1,019,000 | 2,094,000 | 3,184,000 | 4,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,185,000 | 31,749,000 | 32,839,000 | 33,256,000 |
| Total capital | 33,203,000 | 33,820,000 | 34,928,000 | 35,110,000 |
| Risk-weighted assets | 233,388,000 | 238,764,000 | 240,489,000 | 243,194,000 |