Call reports 2025
WEST ALABAMA BANK & TRUST — 2025
What WEST ALABAMA BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 934,766,000 | 946,592,000 | 953,862,000 | 1,001,455,000 |
| Total loans | 586,014,000 | 595,278,000 | 586,324,000 | 578,855,000 |
| Allowance for loan losses | 6,817,000 | 6,876,000 | 7,117,000 | 7,147,000 |
| Securities available for sale | 225,005,000 | 222,146,000 | 233,885,000 | 242,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 812,498,000 | 822,055,000 | 822,660,000 | 885,448,000 |
| Interest-bearing deposits | 549,248,000 | 617,039,000 | 619,594,000 | 597,761,000 |
| Noninterest-bearing deposits | 263,250,000 | 205,016,000 | 203,066,000 | 287,687,000 |
| Equity capital | 82,977,000 | 84,002,000 | 91,772,000 | 93,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,131,000 | 24,688,000 | 37,189,000 | 49,423,000 |
| Interest expense | 4,896,000 | 9,817,000 | 14,722,000 | 19,316,000 |
| Net interest income | 7,235,000 | 14,871,000 | 22,467,000 | 30,107,000 |
| Noninterest income | 1,392,000 | 2,985,000 | 4,461,000 | 6,952,000 |
| Noninterest expense | 5,221,000 | 10,421,000 | 15,565,000 | 21,620,000 |
| Provision for loan losses | 0 | 200,000 | 500,000 | 1,100,000 |
| Pretax income | 3,134,000 | 6,963,000 | 10,324,000 | 13,803,000 |
| Income tax | 692,000 | 1,544,000 | 2,290,000 | 3,161,000 |
| Net income | 2,442,000 | 5,419,000 | 8,034,000 | 10,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,139,000 | 108,655,000 | 111,270,000 | 111,855,000 |