Call reports 2007
WEST ALABAMA BANK & TRUST — 2007
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 476,105,000 | 475,158,000 | 477,329,000 | 477,419,000 |
| Total loans | 270,363,000 | 273,261,000 | 283,092,000 | 292,422,000 |
| Allowance for loan losses | 2,689,000 | 2,715,000 | 2,689,000 | 2,489,000 |
| Securities available for sale | 155,254,000 | 150,796,000 | 139,592,000 | 135,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 94,000 | 85,000 | 160,000 | 0 |
| Total deposits | 367,081,000 | 366,620,000 | 367,237,000 | 367,417,000 |
| Interest-bearing deposits | 283,724,000 | 317,456,000 | 349,602,000 | 344,149,000 |
| Noninterest-bearing deposits | 83,357,000 | 49,164,000 | 17,635,000 | 23,268,000 |
| Equity capital | 55,835,000 | 53,973,000 | 56,977,000 | 57,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,623,000 | 15,416,000 | 23,382,000 | 31,383,000 |
| Interest expense | 3,586,000 | 7,302,000 | 11,147,000 | 14,901,000 |
| Net interest income | 4,037,000 | 8,114,000 | 12,235,000 | 16,482,000 |
| Noninterest income | 1,006,000 | 2,127,000 | 3,201,000 | 4,595,000 |
| Noninterest expense | 2,874,000 | 5,865,000 | 8,992,000 | 12,569,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 2,004,000 | 4,058,000 | 5,962,000 | 7,969,000 |
| Income tax | 548,000 | 1,128,000 | 1,715,000 | 2,062,000 |
| Net income | 1,456,000 | 2,930,000 | 4,247,000 | 5,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,008,000 | 48,208,000 | 49,586,000 | 50,095,000 |
| Total capital | 50,697,000 | 50,923,000 | 52,275,000 | 52,584,000 |
| Risk-weighted assets | 314,692,000 | 321,237,000 | 329,882,000 | 337,788,000 |