Call reports 2005
NORTH ALABAMA BANK — 2005
What NORTH ALABAMA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 86,155,000 | 95,392,000 | 97,741,000 | 101,785,000 |
| Total loans | 70,480,000 | 76,192,000 | 76,012,000 | 82,090,000 |
| Allowance for loan losses | 1,467,000 | 1,485,000 | 1,453,000 | 1,428,000 |
| Securities available for sale | 8,071,000 | 8,912,000 | 9,338,000 | 9,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,664,000 | 85,244,000 | 87,062,000 | 91,204,000 |
| Interest-bearing deposits | 67,396,000 | 76,829,000 | 76,792,000 | 80,071,000 |
| Noninterest-bearing deposits | 9,268,000 | 8,415,000 | 10,270,000 | 11,133,000 |
| Equity capital | 8,813,000 | 9,388,000 | 9,773,000 | 9,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,710,000 | 3,424,000 | 5,275,000 | 7,363,000 |
| Interest expense | 377,000 | 861,000 | 1,467,000 | 2,159,000 |
| Net interest income | 1,333,000 | 2,563,000 | 3,808,000 | 5,204,000 |
| Noninterest income | 166,000 | 326,000 | 484,000 | 627,000 |
| Noninterest expense | 629,000 | 1,257,000 | 1,948,000 | 2,658,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 165,000 |
| Pretax income | 745,000 | 1,507,000 | 2,219,000 | 3,008,000 |
| Income tax | 296,000 | 577,000 | 828,000 | 1,081,000 |
| Net income | 449,000 | 930,000 | 1,391,000 | 1,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,813,000 | 9,298,000 | 9,759,000 | 9,770,000 |
| Total capital | 9,699,000 | 10,254,000 | 10,728,000 | 10,810,000 |
| Risk-weighted assets | 70,278,000 | 75,969,000 | 77,060,000 | 82,785,000 |