Call reports 2019
WEST ALABAMA BANK & TRUST — 2019
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 631,931,000 | 631,420,000 | 636,111,000 | 644,050,000 |
| Total loans | 394,807,000 | 394,438,000 | 390,065,000 | 396,498,000 |
| Allowance for loan losses | 4,166,000 | 4,282,000 | 4,337,000 | 4,216,000 |
| Securities available for sale | 162,462,000 | 173,762,000 | 187,219,000 | 189,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,737,000 | 512,838,000 | 518,699,000 | 525,425,000 |
| Interest-bearing deposits | 494,348,000 | 486,277,000 | 493,851,000 | 499,183,000 |
| Noninterest-bearing deposits | 23,389,000 | 26,561,000 | 24,848,000 | 26,242,000 |
| Equity capital | 86,412,000 | 86,970,000 | 88,870,000 | 89,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,357,000 | 13,073,000 | 19,768,000 | 26,413,000 |
| Interest expense | 1,439,000 | 2,989,000 | 4,636,000 | 6,318,000 |
| Net interest income | 4,918,000 | 10,084,000 | 15,132,000 | 20,095,000 |
| Noninterest income | 1,528,000 | 2,912,000 | 4,229,000 | 5,869,000 |
| Noninterest expense | 3,762,000 | 7,645,000 | 11,557,000 | 16,198,000 |
| Provision for loan losses | 175,000 | 325,000 | 475,000 | 824,000 |
| Pretax income | 2,516,000 | 5,033,000 | 7,386,000 | 8,998,000 |
| Income tax | 544,000 | 1,093,000 | 1,607,000 | 1,787,000 |
| Net income | 1,972,000 | 3,940,000 | 5,779,000 | 7,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,024,000 | 79,191,000 | 81,043,000 | 81,890,000 |
| Total capital | 85,190,000 | 83,473,000 | 85,380,000 | 86,106,000 |
| Risk-weighted assets | 438,811,000 | 436,230,000 | 433,600,000 | 442,196,000 |