Call reports 2018
WEST ALABAMA BANK & TRUST — 2018
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 593,817,000 | 609,382,000 | 601,709,000 | 606,858,000 |
| Total loans | 364,503,000 | 389,270,000 | 389,157,000 | 392,587,000 |
| Allowance for loan losses | 3,998,000 | 3,936,000 | 4,044,000 | 4,109,000 |
| Securities available for sale | 177,401,000 | 162,487,000 | 154,685,000 | 159,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,883,000 | 501,471,000 | 493,055,000 | 495,063,000 |
| Interest-bearing deposits | 459,421,000 | 472,927,000 | 466,871,000 | 471,986,000 |
| Noninterest-bearing deposits | 27,462,000 | 28,544,000 | 26,184,000 | 23,077,000 |
| Equity capital | 79,203,000 | 79,589,000 | 80,464,000 | 82,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,887,000 | 12,079,000 | 18,351,000 | 24,673,000 |
| Interest expense | 1,179,000 | 2,440,000 | 3,754,000 | 5,142,000 |
| Net interest income | 4,708,000 | 9,639,000 | 14,597,000 | 19,531,000 |
| Noninterest income | 1,356,000 | 2,652,000 | 4,224,000 | 5,660,000 |
| Noninterest expense | 3,725,000 | 7,483,000 | 11,284,000 | 15,549,000 |
| Provision for loan losses | 250,000 | 250,000 | 400,000 | 625,000 |
| Pretax income | 2,091,000 | 4,437,000 | 7,012,000 | 8,837,000 |
| Income tax | 433,000 | 925,000 | 1,474,000 | 1,786,000 |
| Net income | 1,658,000 | 3,512,000 | 5,538,000 | 7,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,105,000 | 76,880,000 | 78,914,000 | 79,045,000 |
| Total capital | 80,103,000 | 80,816,000 | 82,958,000 | 83,154,000 |
| Risk-weighted assets | 414,342,000 | 435,366,000 | 432,196,000 | 434,733,000 |