Call reports 2011
NORTH ALABAMA BANK — 2011
What NORTH ALABAMA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 124,161,000 | 119,144,000 | 115,884,000 | 111,769,000 |
| Total loans | 75,472,000 | 70,072,000 | 69,203,000 | 59,687,000 |
| Allowance for loan losses | 2,220,000 | 2,474,000 | 2,453,000 | 1,420,000 |
| Securities available for sale | 12,917,000 | 12,917,000 | 12,894,000 | 12,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,288,000 | 106,194,000 | 103,055,000 | 101,589,000 |
| Interest-bearing deposits | 101,383,000 | 95,411,000 | 92,029,000 | 90,876,000 |
| Noninterest-bearing deposits | 9,905,000 | 10,783,000 | 11,026,000 | 10,713,000 |
| Equity capital | 12,068,000 | 12,238,000 | 12,182,000 | 9,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,304,000 | 4,636,000 | 5,915,000 |
| Interest expense | 330,000 | 643,000 | 936,000 | 1,206,000 |
| Net interest income | 1,192,000 | 2,661,000 | 3,700,000 | 4,709,000 |
| Noninterest income | 367,000 | 532,000 | 688,000 | 799,000 |
| Noninterest expense | 1,057,000 | 2,201,000 | 3,486,000 | 5,129,000 |
| Provision for loan losses | 0 | 435,000 | 435,000 | 3,767,000 |
| Pretax income | 502,000 | 727,000 | 654,000 | -3,201,000 |
| Income tax | 175,000 | 264,000 | 230,000 | -1,212,000 |
| Net income | 327,000 | 463,000 | 424,000 | -1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,742,000 | 11,004,000 | 10,834,000 | 7,405,000 |
| Total capital | 11,898,000 | 12,111,000 | 11,922,000 | 8,435,000 |
| Risk-weighted assets | 91,442,000 | 87,222,000 | 85,684,000 | 82,005,000 |