Call reports 2021
WEST ALABAMA BANK & TRUST — 2021
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 758,038,000 | 782,908,000 | 767,132,000 | 773,500,000 |
| Total loans | 386,044,000 | 386,655,000 | 373,379,000 | 385,114,000 |
| Allowance for loan losses | 4,596,000 | 4,025,000 | 4,327,000 | 4,438,000 |
| Securities available for sale | 304,309,000 | 319,155,000 | 327,102,000 | 307,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,371,000 | 664,638,000 | 666,651,000 | 674,869,000 |
| Interest-bearing deposits | 465,193,000 | 476,533,000 | 471,727,000 | 472,179,000 |
| Noninterest-bearing deposits | 177,178,000 | 188,105,000 | 194,924,000 | 202,690,000 |
| Equity capital | 92,921,000 | 94,469,000 | 97,452,000 | 94,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,190,000 | 12,951,000 | 19,203,000 | 25,319,000 |
| Interest expense | 1,308,000 | 2,583,000 | 3,666,000 | 4,571,000 |
| Net interest income | 4,882,000 | 10,368,000 | 15,537,000 | 20,748,000 |
| Noninterest income | 1,322,000 | 2,551,000 | 5,705,000 | 7,225,000 |
| Noninterest expense | 4,065,000 | 8,173,000 | 13,277,000 | 18,175,000 |
| Provision for loan losses | 300,000 | 1,500,000 | 1,750,000 | 2,250,000 |
| Pretax income | 1,842,000 | 3,323,000 | 6,296,000 | 7,625,000 |
| Income tax | 390,000 | 703,000 | 1,330,000 | 1,389,000 |
| Net income | 1,452,000 | 2,620,000 | 4,966,000 | 6,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,273,000 | 86,493,000 | 88,839,000 | 89,043,000 |