Call reports 2001
NORTH ALABAMA BANK — 2001
What NORTH ALABAMA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 68,741,000 | 66,234,000 | 70,941,000 | 70,221,000 |
| Total loans | 51,069,000 | 50,338,000 | 52,458,000 | 51,059,000 |
| Allowance for loan losses | 729,000 | 643,000 | 698,000 | 612,000 |
| Securities available for sale | 7,850,000 | 8,201,000 | 7,610,000 | 7,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,274,000 | 59,300,000 | 63,411,000 | 62,861,000 |
| Interest-bearing deposits | 56,457,000 | 54,201,000 | 54,544,000 | 56,782,000 |
| Noninterest-bearing deposits | 5,817,000 | 5,099,000 | 8,867,000 | 6,078,000 |
| Equity capital | 5,647,000 | 5,885,000 | 6,183,000 | 6,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 2,995,000 | 4,541,000 | 5,984,000 |
| Interest expense | 790,000 | 1,575,000 | 2,268,000 | 2,912,000 |
| Net interest income | 684,000 | 1,420,000 | 2,273,000 | 3,072,000 |
| Noninterest income | 191,000 | 297,000 | 397,000 | 576,000 |
| Noninterest expense | 423,000 | 828,000 | 1,278,000 | 1,702,000 |
| Provision for loan losses | 90,000 | 125,000 | 196,000 | 229,000 |
| Pretax income | 362,000 | 764,000 | 1,196,000 | 1,717,000 |
| Income tax | 133,000 | 295,000 | 481,000 | 705,000 |
| Net income | 229,000 | 469,000 | 715,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,597,000 | 5,836,000 | 6,082,000 | 6,080,000 |
| Total capital | 6,248,000 | 6,476,000 | 6,749,000 | 6,692,000 |
| Risk-weighted assets | 51,994,000 | 51,195,000 | 53,379,000 | 52,637,000 |