Call reports 2013
WEST ALABAMA BANK & TRUST — 2013
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 571,426,000 | 542,604,000 | 540,958,000 | 555,687,000 |
| Total loans | 295,582,000 | 296,303,000 | 288,592,000 | 285,943,000 |
| Allowance for loan losses | 4,739,000 | 4,863,000 | 5,102,000 | 5,106,000 |
| Securities available for sale | 213,495,000 | 183,440,000 | 191,193,000 | 200,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,038,000 | 442,985,000 | 441,027,000 | 456,517,000 |
| Interest-bearing deposits | 441,792,000 | 423,645,000 | 421,841,000 | 435,868,000 |
| Noninterest-bearing deposits | 24,246,000 | 19,340,000 | 19,186,000 | 20,649,000 |
| Equity capital | 66,144,000 | 60,044,000 | 61,086,000 | 59,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,693,000 | 11,249,000 | 16,777,000 | 22,228,000 |
| Interest expense | 1,287,000 | 2,511,000 | 3,695,000 | 4,832,000 |
| Net interest income | 4,406,000 | 8,738,000 | 13,082,000 | 17,396,000 |
| Noninterest income | 1,108,000 | 2,362,000 | 3,571,000 | 4,724,000 |
| Noninterest expense | 3,465,000 | 6,863,000 | 10,129,000 | 13,675,000 |
| Provision for loan losses | 525,000 | 980,000 | 1,330,000 | 1,435,000 |
| Pretax income | 1,730,000 | 3,496,000 | 5,435,000 | 7,271,000 |
| Income tax | 446,000 | 932,000 | 1,464,000 | 2,046,000 |
| Net income | 1,284,000 | 2,564,000 | 3,971,000 | 5,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,832,000 | 58,116,000 | 59,549,000 | 59,632,000 |
| Total capital | 62,297,000 | 62,566,000 | 63,875,000 | 63,980,000 |
| Risk-weighted assets | 356,905,000 | 355,594,000 | 345,276,000 | 347,090,000 |