Call reports 2012
WEST ALABAMA BANK & TRUST — 2012
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 587,186,000 | 586,007,000 | 548,694,000 | 578,292,000 |
| Total loans | 295,338,000 | 300,141,000 | 298,331,000 | 294,451,000 |
| Allowance for loan losses | 4,633,000 | 4,847,000 | 4,680,000 | 4,754,000 |
| Securities available for sale | 230,153,000 | 219,433,000 | 190,837,000 | 220,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,941,000 | 456,067,000 | 442,546,000 | 472,518,000 |
| Interest-bearing deposits | 436,565,000 | 433,659,000 | 423,251,000 | 453,415,000 |
| Noninterest-bearing deposits | 25,376,000 | 22,408,000 | 19,295,000 | 19,103,000 |
| Equity capital | 64,206,000 | 64,901,000 | 66,588,000 | 65,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,940,000 | 11,783,000 | 17,525,000 | 23,221,000 |
| Interest expense | 1,946,000 | 3,774,000 | 5,462,000 | 6,852,000 |
| Net interest income | 3,994,000 | 8,009,000 | 12,063,000 | 16,369,000 |
| Noninterest income | 604,000 | 824,000 | 1,944,000 | 2,929,000 |
| Noninterest expense | 3,338,000 | 6,710,000 | 10,493,000 | 14,099,000 |
| Provision for loan losses | 615,000 | 1,080,000 | 1,695,000 | 2,110,000 |
| Pretax income | 1,199,000 | 2,260,000 | 3,682,000 | 5,149,000 |
| Income tax | 297,000 | 547,000 | 973,000 | 1,345,000 |
| Net income | 902,000 | 1,713,000 | 2,709,000 | 3,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,723,000 | 55,688,000 | 56,713,000 | 56,523,000 |
| Total capital | 60,263,000 | 60,230,000 | 61,087,000 | 60,946,000 |
| Risk-weighted assets | 363,121,000 | 363,056,000 | 349,592,000 | 353,766,000 |