Call reports 2015
NORTH ALABAMA BANK — 2015
What NORTH ALABAMA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,320,000 | 93,863,000 | 92,970,000 | 93,032,000 |
| Total loans | 56,320,000 | 57,026,000 | 57,618,000 | 60,122,000 |
| Allowance for loan losses | 645,000 | 589,000 | 539,000 | 545,000 |
| Securities available for sale | 9,937,000 | 9,762,000 | 9,821,000 | 9,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,712,000 | 82,224,000 | 81,714,000 | 81,833,000 |
| Interest-bearing deposits | 70,470,000 | 68,525,000 | 68,159,000 | 67,520,000 |
| Noninterest-bearing deposits | 12,242,000 | 13,699,000 | 13,555,000 | 14,313,000 |
| Equity capital | 11,205,000 | 11,212,000 | 10,806,000 | 10,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,020,000 | 2,011,000 | 3,035,000 | 4,123,000 |
| Interest expense | 99,000 | 197,000 | 294,000 | 385,000 |
| Net interest income | 921,000 | 1,814,000 | 2,741,000 | 3,738,000 |
| Noninterest income | 496,000 | 669,000 | -119,000 | -1,000 |
| Noninterest expense | 957,000 | 1,843,000 | 2,680,000 | 3,505,000 |
| Provision for loan losses | 0 | 20,000 | 70,000 | 70,000 |
| Pretax income | 460,000 | 620,000 | -101,000 | 189,000 |
| Income tax | 168,000 | 229,000 | -33,000 | 83,000 |
| Net income | 292,000 | 391,000 | -68,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,020,000 | 9,159,000 | 8,586,000 | 8,864,000 |
| Total capital | 9,665,000 | 9,748,000 | 9,125,000 | 9,409,000 |
| Risk-weighted assets | 69,799,000 | 69,658,000 | 66,929,000 | 73,609,000 |