Call reports 2009
WEST ALABAMA BANK & TRUST — 2009
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 553,835,000 | 552,006,000 | 544,136,000 | 569,532,000 |
| Total loans | 350,554,000 | 352,179,000 | 351,145,000 | 346,372,000 |
| Allowance for loan losses | 2,727,000 | 4,136,000 | 4,047,000 | 3,499,000 |
| Securities available for sale | 135,233,000 | 133,725,000 | 134,451,000 | 134,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,375,000 | 406,433,000 | 395,121,000 | 422,915,000 |
| Interest-bearing deposits | 384,540,000 | 389,302,000 | 370,622,000 | 404,051,000 |
| Noninterest-bearing deposits | 16,835,000 | 17,131,000 | 24,499,000 | 18,864,000 |
| Equity capital | 62,656,000 | 58,813,000 | 62,226,000 | 60,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,501,000 | 14,535,000 | 21,592,000 | 28,535,000 |
| Interest expense | 3,193,000 | 6,281,000 | 9,189,000 | 11,977,000 |
| Net interest income | 4,308,000 | 8,254,000 | 12,403,000 | 16,558,000 |
| Noninterest income | 1,186,000 | 2,043,000 | 3,277,000 | 3,832,000 |
| Noninterest expense | 3,946,000 | 10,303,000 | 13,989,000 | 17,791,000 |
| Provision for loan losses | 165,000 | 2,030,000 | 2,195,000 | 2,860,000 |
| Pretax income | 1,386,000 | -1,539,000 | 3,000 | 1,153,000 |
| Income tax | 318,000 | -252,000 | -82,000 | 141,000 |
| Net income | 1,068,000 | -1,287,000 | 85,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,217,000 | 50,675,000 | 52,096,000 | 52,245,000 |
| Total capital | 56,944,000 | 54,811,000 | 56,143,000 | 55,744,000 |
| Risk-weighted assets | 408,188,000 | 404,974,000 | 401,523,000 | 403,964,000 |