Call reports 2013
NORTH ALABAMA BANK — 2013
What NORTH ALABAMA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 106,337,000 | 100,082,000 | 100,039,000 | 100,310,000 |
| Total loans | 60,347,000 | 64,117,000 | 61,846,000 | 58,985,000 |
| Allowance for loan losses | 1,169,000 | 1,170,000 | 1,200,000 | 1,212,000 |
| Securities available for sale | 9,336,000 | 8,177,000 | 8,032,000 | 8,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,696,000 | 89,587,000 | 89,631,000 | 90,066,000 |
| Interest-bearing deposits | 84,446,000 | 78,053,000 | 77,311,000 | 78,239,000 |
| Noninterest-bearing deposits | 11,250,000 | 11,534,000 | 12,320,000 | 11,827,000 |
| Equity capital | 10,040,000 | 9,881,000 | 9,926,000 | 9,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,333,000 | 3,508,000 | 4,632,000 |
| Interest expense | 174,000 | 334,000 | 484,000 | 628,000 |
| Net interest income | 985,000 | 1,999,000 | 3,024,000 | 4,004,000 |
| Noninterest income | -36,000 | 19,000 | 104,000 | 213,000 |
| Noninterest expense | 948,000 | 1,854,000 | 2,756,000 | 3,725,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 1,000 | 139,000 | 347,000 | 467,000 |
| Income tax | 0 | 50,000 | 127,000 | 170,000 |
| Net income | 1,000 | 89,000 | 220,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,453,000 | 7,542,000 | 7,718,000 | 7,850,000 |
| Total capital | 8,432,000 | 8,537,000 | 8,636,000 | 8,735,000 |
| Risk-weighted assets | 78,158,000 | 79,448,000 | 73,187,000 | 70,469,000 |