Call reports 2016
NORTH ALABAMA BANK — 2016
What NORTH ALABAMA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 94,001,000 | 93,576,000 | 95,058,000 | 93,710,000 |
| Total loans | 59,430,000 | 57,249,000 | 59,062,000 | 58,232,000 |
| Allowance for loan losses | 563,000 | 542,000 | 564,000 | 752,000 |
| Securities available for sale | 8,977,000 | 7,722,000 | 7,805,000 | 8,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,499,000 | 81,744,000 | 83,022,000 | 81,897,000 |
| Interest-bearing deposits | 68,309,000 | 67,578,000 | 67,330,000 | 66,359,000 |
| Noninterest-bearing deposits | 14,190,000 | 14,166,000 | 15,692,000 | 15,538,000 |
| Equity capital | 11,198,000 | 11,466,000 | 11,623,000 | 11,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,083,000 | 3,098,000 | 4,117,000 |
| Interest expense | 88,000 | 177,000 | 262,000 | 340,000 |
| Net interest income | 951,000 | 1,906,000 | 2,836,000 | 3,777,000 |
| Noninterest income | 184,000 | 315,000 | 498,000 | 980,000 |
| Noninterest expense | 840,000 | 1,712,000 | 2,559,000 | 3,341,000 |
| Provision for loan losses | 15,000 | -152,000 | -134,000 | -34,000 |
| Pretax income | 304,000 | 685,000 | 933,000 | 1,474,000 |
| Income tax | 112,000 | 256,000 | 343,000 | 596,000 |
| Net income | 192,000 | 429,000 | 590,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,135,000 | 9,314,000 | 9,551,000 | 10,120,000 |
| Total capital | 9,698,000 | 9,856,000 | 10,115,000 | 10,872,000 |
| Risk-weighted assets | 71,529,000 | 69,514,000 | 70,154,000 | 67,497,000 |