Call reports 2016
WEST ALABAMA BANK & TRUST — 2016
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 576,925,000 | 574,525,000 | 581,455,000 | 594,859,000 |
| Total loans | 311,845,000 | 317,183,000 | 322,521,000 | 347,416,000 |
| Allowance for loan losses | 4,045,000 | 4,029,000 | 4,045,000 | 4,050,000 |
| Securities available for sale | 204,833,000 | 199,478,000 | 201,763,000 | 189,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,143,000 | 461,740,000 | 468,581,000 | 470,644,000 |
| Interest-bearing deposits | 446,320,000 | 440,118,000 | 442,743,000 | 449,475,000 |
| Noninterest-bearing deposits | 21,823,000 | 21,622,000 | 25,838,000 | 21,169,000 |
| Equity capital | 76,354,000 | 78,854,000 | 80,085,000 | 74,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,454,000 | 10,918,000 | 16,505,000 | 22,064,000 |
| Interest expense | 980,000 | 1,967,000 | 2,977,000 | 3,997,000 |
| Net interest income | 4,474,000 | 8,951,000 | 13,528,000 | 18,067,000 |
| Noninterest income | 1,430,000 | 2,805,000 | 4,195,000 | 5,663,000 |
| Noninterest expense | 3,386,000 | 6,795,000 | 10,295,000 | 14,297,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 170,000 |
| Pretax income | 2,727,000 | 5,197,000 | 7,610,000 | 9,531,000 |
| Income tax | 888,000 | 1,596,000 | 2,291,000 | 2,827,000 |
| Net income | 1,839,000 | 3,601,000 | 5,319,000 | 6,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,703,000 | 69,235,000 | 70,964,000 | 70,687,000 |
| Total capital | 72,748,000 | 73,264,000 | 75,009,000 | 74,737,000 |
| Risk-weighted assets | 368,234,000 | 372,890,000 | 378,875,000 | 403,670,000 |