Call reports 2011
WEST ALABAMA BANK & TRUST — 2011
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 571,300,000 | 583,532,000 | 586,197,000 | 593,312,000 |
| Total loans | 320,880,000 | 312,187,000 | 307,452,000 | 308,445,000 |
| Allowance for loan losses | 3,940,000 | 4,847,000 | 4,960,000 | 4,902,000 |
| Securities available for sale | 174,280,000 | 188,023,000 | 198,434,000 | 214,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,519,000 | 451,605,000 | 450,470,000 | 467,583,000 |
| Interest-bearing deposits | 419,750,000 | 433,698,000 | 430,202,000 | 447,961,000 |
| Noninterest-bearing deposits | 17,769,000 | 17,907,000 | 20,268,000 | 19,622,000 |
| Equity capital | 58,690,000 | 60,959,000 | 63,734,000 | 63,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,407,000 | 12,695,000 | 18,925,000 | 24,932,000 |
| Interest expense | 2,349,000 | 4,611,000 | 6,854,000 | 9,019,000 |
| Net interest income | 4,058,000 | 8,084,000 | 12,071,000 | 15,913,000 |
| Noninterest income | 1,369,000 | 2,218,000 | 3,524,000 | 4,400,000 |
| Noninterest expense | 3,439,000 | 6,879,000 | 10,318,000 | 13,822,000 |
| Provision for loan losses | 1,065,000 | 3,060,000 | 3,675,000 | 4,085,000 |
| Pretax income | 994,000 | 510,000 | 1,814,000 | 2,762,000 |
| Income tax | 226,000 | 22,000 | 198,000 | 431,000 |
| Net income | 768,000 | 488,000 | 1,616,000 | 2,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,484,000 | 53,764,000 | 54,926,000 | 54,792,000 |
| Total capital | 58,424,000 | 58,550,000 | 59,679,000 | 59,506,000 |
| Risk-weighted assets | 388,278,000 | 382,840,000 | 380,062,000 | 377,567,000 |