Call reports 2003
NORTH ALABAMA BANK — 2003
What NORTH ALABAMA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 79,444,000 | 82,614,000 | 82,458,000 | 81,998,000 |
| Total loans | 62,934,000 | 64,385,000 | 62,416,000 | 60,583,000 |
| Allowance for loan losses | 720,000 | 865,000 | 1,673,000 | 1,420,000 |
| Securities available for sale | 5,892,000 | 5,978,000 | 6,846,000 | 7,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,978,000 | 74,383,000 | 74,928,000 | 74,059,000 |
| Interest-bearing deposits | 65,174,000 | 67,371,000 | 66,333,000 | 63,975,000 |
| Noninterest-bearing deposits | 6,804,000 | 7,012,000 | 8,595,000 | 10,084,000 |
| Equity capital | 6,867,000 | 7,264,000 | 6,902,000 | 7,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,489,000 | 3,007,000 | 4,548,000 | 5,995,000 |
| Interest expense | 450,000 | 901,000 | 1,318,000 | 1,662,000 |
| Net interest income | 1,039,000 | 2,106,000 | 3,230,000 | 4,333,000 |
| Noninterest income | 132,000 | 675,000 | 776,000 | 938,000 |
| Noninterest expense | 525,000 | 1,209,000 | 1,819,000 | 2,416,000 |
| Provision for loan losses | 85,000 | 415,000 | 1,505,000 | 1,505,000 |
| Pretax income | 561,000 | 1,157,000 | 682,000 | 1,350,000 |
| Income tax | 210,000 | 466,000 | 269,000 | 396,000 |
| Net income | 351,000 | 691,000 | 413,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,701,000 | 7,039,000 | 6,763,000 | 7,303,000 |
| Total capital | 7,421,000 | 7,846,000 | 7,562,000 | 8,088,000 |
| Risk-weighted assets | 62,755,000 | 64,511,000 | 63,056,000 | 62,156,000 |