Call reports 2022
WEST ALABAMA BANK & TRUST — 2022
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 766,222,000 | 757,494,000 | 748,555,000 | 854,535,000 |
| Total loans | 385,329,000 | 402,487,000 | 422,714,000 | 467,673,000 |
| Allowance for loan losses | 4,263,000 | 4,321,000 | 4,513,000 | 5,158,000 |
| Securities available for sale | 288,566,000 | 269,605,000 | 247,277,000 | 245,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 682,794,000 | 685,947,000 | 683,514,000 | 764,745,000 |
| Interest-bearing deposits | 472,828,000 | 477,420,000 | 465,882,000 | 506,368,000 |
| Noninterest-bearing deposits | 209,966,000 | 208,527,000 | 217,632,000 | 258,377,000 |
| Equity capital | 81,549,000 | 67,731,000 | 61,993,000 | 64,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,091,000 | 12,634,000 | 19,573,000 | 27,461,000 |
| Interest expense | 800,000 | 1,541,000 | 2,336,000 | 3,760,000 |
| Net interest income | 5,291,000 | 11,093,000 | 17,237,000 | 23,701,000 |
| Noninterest income | 1,392,000 | 3,311,000 | 4,663,000 | 6,136,000 |
| Noninterest expense | 4,541,000 | 9,181,000 | 13,720,000 | 18,819,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 865,000 |
| Pretax income | 2,148,000 | 5,229,000 | 7,986,000 | 9,959,000 |
| Income tax | 455,000 | 1,104,000 | 1,685,000 | 2,134,000 |
| Net income | 1,693,000 | 4,125,000 | 6,301,000 | 7,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,736,000 | 91,776,000 | 93,898,000 | 94,164,000 |