Call reports 2017
WEST ALABAMA BANK & TRUST — 2017
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 592,663,000 | 594,491,000 | 599,637,000 | 601,416,000 |
| Total loans | 358,180,000 | 367,644,000 | 368,857,000 | 368,692,000 |
| Allowance for loan losses | 4,015,000 | 4,008,000 | 4,044,000 | 3,853,000 |
| Securities available for sale | 181,250,000 | 169,401,000 | 166,001,000 | 174,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,294,000 | 481,550,000 | 486,337,000 | 489,085,000 |
| Interest-bearing deposits | 458,266,000 | 457,866,000 | 461,777,000 | 465,313,000 |
| Noninterest-bearing deposits | 24,028,000 | 23,684,000 | 24,560,000 | 23,772,000 |
| Equity capital | 77,914,000 | 79,547,000 | 81,183,000 | 79,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,716,000 | 11,516,000 | 17,398,000 | 23,289,000 |
| Interest expense | 1,029,000 | 2,113,000 | 3,241,000 | 4,414,000 |
| Net interest income | 4,687,000 | 9,403,000 | 14,157,000 | 18,875,000 |
| Noninterest income | 1,650,000 | 3,038,000 | 4,543,000 | 6,018,000 |
| Noninterest expense | 3,827,000 | 7,440,000 | 11,156,000 | 15,320,000 |
| Provision for loan losses | 75,000 | 75,000 | 175,000 | 275,000 |
| Pretax income | 2,449,000 | 4,968,000 | 7,417,000 | 9,346,000 |
| Income tax | 632,000 | 1,380,000 | 2,097,000 | 3,291,000 |
| Net income | 1,817,000 | 3,588,000 | 5,320,000 | 6,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,479,000 | 72,876,000 | 74,621,000 | 74,457,000 |
| Total capital | 76,494,000 | 76,884,000 | 78,665,000 | 78,310,000 |
| Risk-weighted assets | 410,929,000 | 415,386,000 | 416,586,000 | 417,978,000 |