Call reports 2007
NORTH ALABAMA BANK — 2007
What NORTH ALABAMA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 139,147,000 | 150,153,000 | 156,317,000 | 161,446,000 |
| Total loans | 115,093,000 | 124,234,000 | 132,936,000 | 135,436,000 |
| Allowance for loan losses | 1,602,000 | 1,707,000 | 1,731,000 | 1,742,000 |
| Securities available for sale | 8,990,000 | 9,139,000 | 9,467,000 | 9,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,170,000 | 136,610,000 | 141,954,000 | 146,933,000 |
| Interest-bearing deposits | 113,494,000 | 123,315,000 | 129,421,000 | 134,849,000 |
| Noninterest-bearing deposits | 12,676,000 | 13,295,000 | 12,533,000 | 12,084,000 |
| Equity capital | 11,656,000 | 12,163,000 | 12,812,000 | 12,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,024,000 | 6,228,000 | 9,613,000 | 13,079,000 |
| Interest expense | 1,303,000 | 2,722,000 | 4,267,000 | 5,906,000 |
| Net interest income | 1,721,000 | 3,506,000 | 5,346,000 | 7,173,000 |
| Noninterest income | 131,000 | 244,000 | 378,000 | 544,000 |
| Noninterest expense | 923,000 | 1,828,000 | 2,794,000 | 3,783,000 |
| Provision for loan losses | 105,000 | 210,000 | 330,000 | 450,000 |
| Pretax income | 824,000 | 1,713,000 | 2,601,000 | 3,485,000 |
| Income tax | 320,000 | 645,000 | 964,000 | 1,262,000 |
| Net income | 504,000 | 1,068,000 | 1,637,000 | 2,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,680,000 | 12,244,000 | 12,813,000 | 12,899,000 |
| Total capital | 13,170,000 | 13,825,000 | 14,495,000 | 14,620,000 |
| Risk-weighted assets | 119,094,000 | 126,304,000 | 134,504,000 | 137,662,000 |