Call reports 2009
NORTH ALABAMA BANK — 2009
What NORTH ALABAMA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 164,734,000 | 164,508,000 | 164,800,000 | 156,629,000 |
| Total loans | 132,771,000 | 132,595,000 | 131,021,000 | 119,338,000 |
| Allowance for loan losses | 2,125,000 | 2,258,000 | 1,329,000 | 3,702,000 |
| Securities available for sale | 8,764,000 | 9,332,000 | 8,161,000 | 7,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,217,000 | 149,193,000 | 149,470,000 | 144,525,000 |
| Interest-bearing deposits | 138,835,000 | 137,604,000 | 139,305,000 | 134,313,000 |
| Noninterest-bearing deposits | 10,382,000 | 11,589,000 | 10,166,000 | 10,212,000 |
| Equity capital | 14,295,000 | 14,323,000 | 14,364,000 | 11,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,908,000 | 5,548,000 | 7,944,000 | 10,219,000 |
| Interest expense | 1,032,000 | 1,974,000 | 2,819,000 | 3,586,000 |
| Net interest income | 1,876,000 | 3,574,000 | 5,125,000 | 6,633,000 |
| Noninterest income | 133,000 | 342,000 | 589,000 | 779,000 |
| Noninterest expense | 1,113,000 | 2,363,000 | 3,507,000 | 4,717,000 |
| Provision for loan losses | 235,000 | 696,000 | 1,496,000 | 6,485,000 |
| Pretax income | 663,000 | 859,000 | 711,000 | -3,790,000 |
| Income tax | 255,000 | 314,000 | 245,000 | -1,500,000 |
| Net income | 408,000 | 545,000 | 466,000 | -2,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,288,000 | 14,424,000 | 14,345,000 | 11,588,000 |
| Total capital | 16,087,000 | 16,248,000 | 15,674,000 | 13,220,000 |
| Risk-weighted assets | 143,588,000 | 145,486,000 | 142,686,000 | 128,486,000 |