Call reports 2006
WEST ALABAMA BANK & TRUST — 2006
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 458,246,000 | 460,755,000 | 464,710,000 | 469,884,000 |
| Total loans | 255,227,000 | 264,150,000 | 269,244,000 | 271,530,000 |
| Allowance for loan losses | 2,705,000 | 2,871,000 | 2,897,000 | 2,617,000 |
| Securities available for sale | 156,225,000 | 144,371,000 | 149,129,000 | 151,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 90,000 |
| Total deposits | 353,138,000 | 355,191,000 | 357,388,000 | 358,810,000 |
| Interest-bearing deposits | 302,460,000 | 304,523,000 | 306,061,000 | 308,686,000 |
| Noninterest-bearing deposits | 50,678,000 | 50,668,000 | 51,327,000 | 50,124,000 |
| Equity capital | 51,241,000 | 50,967,000 | 53,324,000 | 54,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,813,000 | 13,933,000 | 21,328,000 | 28,991,000 |
| Interest expense | 2,839,000 | 5,941,000 | 9,272,000 | 12,863,000 |
| Net interest income | 3,974,000 | 7,992,000 | 12,056,000 | 16,128,000 |
| Noninterest income | 1,065,000 | 2,131,000 | 3,144,000 | 4,259,000 |
| Noninterest expense | 3,026,000 | 5,975,000 | 9,035,000 | 12,531,000 |
| Provision for loan losses | 165,000 | 280,000 | 445,000 | 610,000 |
| Pretax income | 1,859,000 | 3,853,000 | 5,717,000 | 7,251,000 |
| Income tax | 467,000 | 1,011,000 | 1,499,000 | 1,549,000 |
| Net income | 1,392,000 | 2,842,000 | 4,218,000 | 5,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,716,000 | 44,552,000 | 46,011,000 | 46,489,000 |
| Total capital | 46,421,000 | 47,423,000 | 48,908,000 | 49,106,000 |
| Risk-weighted assets | 297,720,000 | 306,585,000 | 310,187,000 | 314,246,000 |