Call reports 2010
NORTH ALABAMA BANK — 2010
What NORTH ALABAMA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 149,573,000 | 139,441,000 | 131,730,000 | 124,793,000 |
| Total loans | 111,453,000 | 94,318,000 | 85,872,000 | 80,243,000 |
| Allowance for loan losses | 4,715,000 | 2,326,000 | 1,264,000 | 2,537,000 |
| Securities available for sale | 8,168,000 | 8,821,000 | 8,717,000 | 9,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,455,000 | 128,151,000 | 117,700,000 | 112,280,000 |
| Interest-bearing deposits | 129,237,000 | 119,212,000 | 107,573,000 | 102,984,000 |
| Noninterest-bearing deposits | 9,218,000 | 8,939,000 | 10,127,000 | 9,296,000 |
| Equity capital | 10,491,000 | 10,467,000 | 13,290,000 | 11,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,791,000 | 3,391,000 | 5,128,000 | 6,989,000 |
| Interest expense | 676,000 | 1,275,000 | 1,767,000 | 2,160,000 |
| Net interest income | 1,115,000 | 2,116,000 | 3,361,000 | 4,829,000 |
| Noninterest income | 139,000 | 301,000 | 226,000 | 318,000 |
| Noninterest expense | 1,177,000 | 2,438,000 | 3,658,000 | 5,846,000 |
| Provision for loan losses | 1,923,000 | 1,923,000 | 2,354,000 | 3,805,000 |
| Pretax income | -1,846,000 | -1,944,000 | -2,425,000 | -4,504,000 |
| Income tax | -731,000 | -731,000 | -942,000 | -1,631,000 |
| Net income | -1,115,000 | -1,213,000 | -1,483,000 | -2,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,474,000 | 10,376,000 | 13,107,000 | 10,414,000 |
| Total capital | 12,008,000 | 11,778,000 | 14,371,000 | 11,626,000 |
| Risk-weighted assets | 119,544,000 | 111,246,000 | 104,107,000 | 95,634,000 |