Call reports 2006
NORTH ALABAMA BANK — 2006
What NORTH ALABAMA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 110,051,000 | 119,226,000 | 127,598,000 | 132,500,000 |
| Total loans | 90,102,000 | 98,826,000 | 104,902,000 | 108,546,000 |
| Allowance for loan losses | 1,464,000 | 1,508,000 | 1,613,000 | 1,500,000 |
| Securities available for sale | 9,203,000 | 9,111,000 | 8,773,000 | 8,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,147,000 | 107,680,000 | 115,475,000 | 120,360,000 |
| Interest-bearing deposits | 88,034,000 | 95,804,000 | 105,027,000 | 106,409,000 |
| Noninterest-bearing deposits | 11,113,000 | 11,876,000 | 10,448,000 | 13,951,000 |
| Equity capital | 10,126,000 | 10,535,000 | 11,127,000 | 11,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,146,000 | 4,611,000 | 7,247,000 | 10,045,000 |
| Interest expense | 770,000 | 1,729,000 | 2,799,000 | 4,030,000 |
| Net interest income | 1,376,000 | 2,882,000 | 4,448,000 | 6,015,000 |
| Noninterest income | 126,000 | 277,000 | 419,000 | 551,000 |
| Noninterest expense | 781,000 | 1,572,000 | 2,428,000 | 3,240,000 |
| Provision for loan losses | 75,000 | 180,000 | 295,000 | 400,000 |
| Pretax income | 646,000 | 1,407,000 | 2,144,000 | 2,926,000 |
| Income tax | 238,000 | 531,000 | 783,000 | 1,045,000 |
| Net income | 408,000 | 876,000 | 1,361,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,050,000 | 10,671,000 | 11,156,000 | 11,176,000 |
| Total capital | 11,202,000 | 11,932,000 | 12,505,000 | 12,581,000 |
| Risk-weighted assets | 91,855,000 | 100,622,000 | 107,671,000 | 112,295,000 |