Call reports 2015
WEST ALABAMA BANK & TRUST — 2015
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 575,210,000 | 563,671,000 | 557,304,000 | 564,519,000 |
| Total loans | 298,036,000 | 296,800,000 | 295,397,000 | 302,460,000 |
| Allowance for loan losses | 4,130,000 | 4,220,000 | 4,111,000 | 4,079,000 |
| Securities available for sale | 203,928,000 | 214,699,000 | 210,885,000 | 208,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,792,000 | 452,903,000 | 449,740,000 | 456,211,000 |
| Interest-bearing deposits | 448,265,000 | 432,111,000 | 429,284,000 | 433,077,000 |
| Noninterest-bearing deposits | 22,527,000 | 20,792,000 | 20,456,000 | 23,134,000 |
| Equity capital | 71,612,000 | 69,809,000 | 73,090,000 | 73,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,342,000 | 10,800,000 | 16,185,000 | 21,610,000 |
| Interest expense | 1,007,000 | 1,989,000 | 2,977,000 | 3,962,000 |
| Net interest income | 4,335,000 | 8,811,000 | 13,208,000 | 17,648,000 |
| Noninterest income | 1,240,000 | 2,718,000 | 4,112,000 | 6,024,000 |
| Noninterest expense | 3,457,000 | 6,888,000 | 10,452,000 | 14,556,000 |
| Provision for loan losses | 0 | 300,000 | 400,000 | 400,000 |
| Pretax income | 2,173,000 | 4,421,000 | 6,591,000 | 8,858,000 |
| Income tax | 604,000 | 1,203,000 | 1,785,000 | 2,547,000 |
| Net income | 1,569,000 | 3,218,000 | 4,806,000 | 6,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,011,000 | 65,170,000 | 66,767,000 | 66,907,000 |
| Total capital | 69,141,000 | 69,390,000 | 70,878,000 | 70,986,000 |
| Risk-weighted assets | 357,692,000 | 357,625,000 | 352,711,000 | 358,808,000 |