Call reports 2002
NORTH ALABAMA BANK — 2002
What NORTH ALABAMA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 68,300,000 | 70,008,000 | 72,847,000 | 78,736,000 |
| Total loans | 50,266,000 | 56,549,000 | 60,334,000 | 63,296,000 |
| Allowance for loan losses | 659,000 | 712,000 | 802,000 | 716,000 |
| Securities available for sale | 7,767,000 | 5,247,000 | 5,394,000 | 5,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,309,000 | 62,593,000 | 65,063,000 | 71,693,000 |
| Interest-bearing deposits | 55,631,000 | 55,867,000 | 59,003,000 | 63,939,000 |
| Noninterest-bearing deposits | 5,678,000 | 6,726,000 | 6,060,000 | 7,754,000 |
| Equity capital | 6,272,000 | 6,659,000 | 6,974,000 | 6,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,688,000 | 4,178,000 | 5,715,000 |
| Interest expense | 522,000 | 983,000 | 1,452,000 | 1,936,000 |
| Net interest income | 774,000 | 1,705,000 | 2,726,000 | 3,779,000 |
| Noninterest income | 100,000 | 226,000 | 447,000 | 613,000 |
| Noninterest expense | 489,000 | 1,008,000 | 1,602,000 | 3,439,000 |
| Provision for loan losses | 25,000 | 80,000 | 380,000 | 530,000 |
| Pretax income | 361,000 | 857,000 | 1,205,000 | 438,000 |
| Income tax | 156,000 | 361,000 | 492,000 | 169,000 |
| Net income | 205,000 | 496,000 | 713,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,285,000 | 6,576,000 | 6,793,000 | 6,349,000 |
| Total capital | 6,928,000 | 7,267,000 | 7,526,000 | 7,065,000 |
| Risk-weighted assets | 51,387,000 | 55,275,000 | 58,582,000 | 62,625,000 |