Call reports 2010
WEST ALABAMA BANK & TRUST — 2010
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 584,603,000 | 580,958,000 | 578,392,000 | 576,624,000 |
| Total loans | 350,575,000 | 345,242,000 | 336,740,000 | 325,415,000 |
| Allowance for loan losses | 3,586,000 | 3,551,000 | 4,237,000 | 3,699,000 |
| Securities available for sale | 154,518,000 | 167,199,000 | 164,127,000 | 185,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,100,000 | 439,349,000 | 435,698,000 | 440,101,000 |
| Interest-bearing deposits | 422,304,000 | 420,744,000 | 417,187,000 | 422,296,000 |
| Noninterest-bearing deposits | 23,796,000 | 18,605,000 | 18,511,000 | 17,805,000 |
| Equity capital | 60,978,000 | 62,605,000 | 63,509,000 | 56,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,733,000 | 13,635,000 | 20,418,000 | 26,954,000 |
| Interest expense | 2,710,000 | 5,470,000 | 8,200,000 | 10,760,000 |
| Net interest income | 4,023,000 | 8,165,000 | 12,218,000 | 16,194,000 |
| Noninterest income | 1,145,000 | 2,145,000 | 2,480,000 | 3,569,000 |
| Noninterest expense | 3,568,000 | 7,144,000 | 10,752,000 | 14,391,000 |
| Provision for loan losses | 815,000 | 1,430,000 | 2,545,000 | 4,260,000 |
| Pretax income | 1,364,000 | 2,318,000 | 3,445,000 | 3,382,000 |
| Income tax | 299,000 | 421,000 | 645,000 | 359,000 |
| Net income | 1,065,000 | 1,897,000 | 2,800,000 | 3,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,349,000 | 53,404,000 | 54,347,000 | 53,682,000 |
| Total capital | 56,934,000 | 56,955,000 | 58,584,000 | 57,381,000 |
| Risk-weighted assets | 411,990,000 | 404,402,000 | 398,046,000 | 391,663,000 |