Call reports 2004
NORTH ALABAMA BANK — 2004
What NORTH ALABAMA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 79,625,000 | 80,268,000 | 78,214,000 | 82,726,000 |
| Total loans | 58,905,000 | 61,712,000 | 62,088,000 | 67,713,000 |
| Allowance for loan losses | 1,455,000 | 1,435,000 | 1,496,000 | 1,340,000 |
| Securities available for sale | 8,236,000 | 8,213,000 | 7,628,000 | 7,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,065,000 | 71,452,000 | 68,962,000 | 73,850,000 |
| Interest-bearing deposits | 62,119,000 | 62,113,000 | 60,606,000 | 63,429,000 |
| Noninterest-bearing deposits | 8,946,000 | 9,339,000 | 8,356,000 | 10,421,000 |
| Equity capital | 7,907,000 | 8,118,000 | 8,628,000 | 8,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,854,000 | 4,292,000 | 5,825,000 |
| Interest expense | 312,000 | 611,000 | 924,000 | 1,258,000 |
| Net interest income | 1,123,000 | 2,243,000 | 3,368,000 | 4,567,000 |
| Noninterest income | 202,000 | 352,000 | 508,000 | 672,000 |
| Noninterest expense | 631,000 | 1,235,000 | 1,841,000 | 2,492,000 |
| Provision for loan losses | 55,000 | 85,000 | 145,000 | 160,000 |
| Pretax income | 643,000 | 1,279,000 | 1,894,000 | 2,591,000 |
| Income tax | 234,000 | 487,000 | 701,000 | 926,000 |
| Net income | 409,000 | 792,000 | 1,193,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,713,000 | 8,095,000 | 8,497,000 | 8,368,000 |
| Total capital | 8,474,000 | 8,892,000 | 9,286,000 | 9,220,000 |
| Risk-weighted assets | 60,163,000 | 63,083,000 | 62,384,000 | 67,705,000 |