Call reports 2012
NORTH ALABAMA BANK — 2012
What NORTH ALABAMA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 114,058,000 | 114,412,000 | 110,003,000 | 107,608,000 |
| Total loans | 60,183,000 | 59,085,000 | 57,334,000 | 61,286,000 |
| Allowance for loan losses | 1,544,000 | 1,212,000 | 1,188,000 | 1,157,000 |
| Securities available for sale | 14,009,000 | 14,196,000 | 9,457,000 | 9,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,791,000 | 103,836,000 | 99,144,000 | 96,972,000 |
| Interest-bearing deposits | 93,193,000 | 93,013,000 | 87,255,000 | 85,066,000 |
| Noninterest-bearing deposits | 10,598,000 | 10,823,000 | 11,889,000 | 11,906,000 |
| Equity capital | 9,708,000 | 9,925,000 | 10,049,000 | 10,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,607,000 | 3,809,000 | 5,025,000 |
| Interest expense | 243,000 | 481,000 | 701,000 | 893,000 |
| Net interest income | 1,055,000 | 2,126,000 | 3,108,000 | 4,132,000 |
| Noninterest income | 146,000 | 390,000 | 559,000 | 618,000 |
| Noninterest expense | 1,064,000 | 2,112,000 | 3,121,000 | 4,144,000 |
| Provision for loan losses | 95,000 | 155,000 | 155,000 | 155,000 |
| Pretax income | 42,000 | 249,000 | 391,000 | 451,000 |
| Income tax | 9,000 | 83,000 | 107,000 | 175,000 |
| Net income | 33,000 | 166,000 | 284,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,438,000 | 7,422,000 | 7,540,000 | 7,453,000 |
| Total capital | 8,478,000 | 8,459,000 | 8,532,000 | 8,435,000 |
| Risk-weighted assets | 82,719,000 | 82,779,000 | 79,154,000 | 78,358,000 |