Call reports 2014
NORTH ALABAMA BANK — 2014
What NORTH ALABAMA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 99,574,000 | 97,777,000 | 97,393,000 | 94,441,000 |
| Total loans | 58,784,000 | 59,243,000 | 58,077,000 | 53,810,000 |
| Allowance for loan losses | 1,242,000 | 695,000 | 750,000 | 711,000 |
| Securities available for sale | 9,515,000 | 9,692,000 | 9,712,000 | 9,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,037,000 | 86,739,000 | 86,523,000 | 83,401,000 |
| Interest-bearing deposits | 78,536,000 | 74,549,000 | 74,018,000 | 71,860,000 |
| Noninterest-bearing deposits | 10,501,000 | 12,190,000 | 12,505,000 | 11,541,000 |
| Equity capital | 10,140,000 | 10,426,000 | 10,493,000 | 10,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,165,000 | 3,218,000 | 4,247,000 |
| Interest expense | 138,000 | 269,000 | 394,000 | 511,000 |
| Net interest income | 940,000 | 1,896,000 | 2,824,000 | 3,736,000 |
| Noninterest income | 208,000 | 373,000 | 343,000 | 394,000 |
| Noninterest expense | 902,000 | 1,758,000 | 2,592,000 | 3,491,000 |
| Provision for loan losses | 71,000 | 71,000 | 71,000 | -314,000 |
| Pretax income | 175,000 | 440,000 | 504,000 | 953,000 |
| Income tax | 65,000 | 163,000 | 185,000 | 373,000 |
| Net income | 110,000 | 277,000 | 319,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,959,000 | 8,247,000 | 8,290,000 | 8,729,000 |
| Total capital | 8,851,000 | 8,942,000 | 9,040,000 | 9,440,000 |
| Risk-weighted assets | 71,006,000 | 69,725,000 | 69,019,000 | 67,014,000 |