Call reports 2009
BANK OF TUSCALOOSA, THE — 2009
What BANK OF TUSCALOOSA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 520,086,000 | 537,078,000 | 525,733,000 | 511,206,000 |
| Total loans | 451,767,000 | 445,054,000 | 429,654,000 | 413,784,000 |
| Allowance for loan losses | 10,285,000 | 11,029,000 | 9,981,000 | 10,223,000 |
| Securities available for sale | 54,633,000 | 50,665,000 | 52,200,000 | 56,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,538,000 | 463,000,000 | 465,138,000 | 449,213,000 |
| Interest-bearing deposits | 354,878,000 | 358,729,000 | 366,405,000 | 357,192,000 |
| Noninterest-bearing deposits | 99,660,000 | 104,271,000 | 98,733,000 | 92,021,000 |
| Equity capital | 43,187,000 | 41,348,000 | 40,649,000 | 40,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,020,000 | 12,217,000 | 18,510,000 | 24,576,000 |
| Interest expense | 1,735,000 | 3,387,000 | 4,929,000 | 6,348,000 |
| Net interest income | 4,285,000 | 8,830,000 | 13,581,000 | 18,228,000 |
| Noninterest income | 890,000 | 1,617,000 | 2,479,000 | 3,074,000 |
| Noninterest expense | 2,541,000 | 5,607,000 | 8,584,000 | 11,518,000 |
| Provision for loan losses | 1,186,000 | 5,384,000 | 8,822,000 | 10,885,000 |
| Pretax income | 1,448,000 | -544,000 | -699,000 | -454,000 |
| Income tax | 532,000 | -215,000 | -281,000 | -220,000 |
| Net income | 916,000 | -329,000 | -418,000 | -234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,003,000 | 40,307,000 | 39,969,000 | 40,524,000 |
| Total capital | 47,707,000 | 46,002,000 | 45,549,000 | 45,868,000 |
| Risk-weighted assets | 451,748,000 | 450,208,000 | 441,952,000 | 422,602,000 |