Call reports 2014
WEST ALABAMA BANK & TRUST — 2014
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 548,331,000 | 559,526,000 | 563,047,000 | 564,026,000 |
| Total loans | 281,159,000 | 286,243,000 | 299,349,000 | 297,799,000 |
| Allowance for loan losses | 5,005,000 | 4,954,000 | 5,069,000 | 4,192,000 |
| Securities available for sale | 210,976,000 | 208,761,000 | 192,714,000 | 207,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,653,000 | 454,398,000 | 457,405,000 | 455,802,000 |
| Interest-bearing deposits | 426,907,000 | 432,832,000 | 436,151,000 | 434,083,000 |
| Noninterest-bearing deposits | 19,746,000 | 21,566,000 | 21,254,000 | 21,719,000 |
| Equity capital | 63,246,000 | 65,430,000 | 67,509,000 | 68,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,314,000 | 10,667,000 | 16,014,000 | 21,448,000 |
| Interest expense | 1,079,000 | 2,139,000 | 3,206,000 | 4,265,000 |
| Net interest income | 4,235,000 | 8,528,000 | 12,808,000 | 17,183,000 |
| Noninterest income | 1,130,000 | 2,306,000 | 3,597,000 | 5,148,000 |
| Noninterest expense | 3,286,000 | 6,580,000 | 9,936,000 | 13,553,000 |
| Provision for loan losses | 125,000 | 295,000 | 335,000 | 335,000 |
| Pretax income | 2,101,000 | 4,134,000 | 6,354,000 | 8,659,000 |
| Income tax | 589,000 | 1,125,000 | 1,697,000 | 2,515,000 |
| Net income | 1,512,000 | 3,009,000 | 4,657,000 | 6,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,165,000 | 61,109,000 | 62,779,000 | 63,222,000 |
| Total capital | 65,432,000 | 65,421,000 | 67,258,000 | 67,414,000 |
| Risk-weighted assets | 340,622,000 | 344,326,000 | 357,760,000 | 357,113,000 |