Call reports 2008
NORTH ALABAMA BANK — 2008
What NORTH ALABAMA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,091,000 | 159,023,000 | 161,953,000 | 162,561,000 |
| Total loans | 133,769,000 | 134,037,000 | 132,784,000 | 132,853,000 |
| Allowance for loan losses | 1,895,000 | 1,917,000 | 1,847,000 | 2,047,000 |
| Securities available for sale | 8,529,000 | 8,557,000 | 8,602,000 | 8,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,194,000 | 144,383,000 | 146,765,000 | 147,856,000 |
| Interest-bearing deposits | 132,432,000 | 132,235,000 | 136,098,000 | 136,376,000 |
| Noninterest-bearing deposits | 13,762,000 | 12,148,000 | 10,667,000 | 11,480,000 |
| Equity capital | 13,375,000 | 13,613,000 | 13,946,000 | 13,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,243,000 | 6,126,000 | 8,947,000 | 11,790,000 |
| Interest expense | 1,543,000 | 2,868,000 | 4,148,000 | 5,339,000 |
| Net interest income | 1,700,000 | 3,258,000 | 4,799,000 | 6,451,000 |
| Noninterest income | 163,000 | 351,000 | 547,000 | 710,000 |
| Noninterest expense | 1,096,000 | 2,191,000 | 3,236,000 | 4,243,000 |
| Provision for loan losses | 135,000 | 260,000 | 430,000 | 980,000 |
| Pretax income | 632,000 | 1,158,000 | 1,681,000 | 1,939,000 |
| Income tax | 241,000 | 427,000 | 602,000 | 697,000 |
| Net income | 391,000 | 731,000 | 1,079,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,290,000 | 13,630,000 | 13,966,000 | 13,880,000 |
| Total capital | 15,022,000 | 15,369,000 | 15,738,000 | 15,665,000 |
| Risk-weighted assets | 138,429,000 | 138,966,000 | 141,701,000 | 142,558,000 |