Call reports 2017
NORTH ALABAMA BANK — 2017
What NORTH ALABAMA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 94,341,000 | 93,447,000 | 91,938,000 | 92,830,000 |
| Total loans | 58,529,000 | 60,122,000 | 63,572,000 | 64,725,000 |
| Allowance for loan losses | 774,000 | 778,000 | 801,000 | 815,000 |
| Securities available for sale | 9,549,000 | 9,519,000 | 9,356,000 | 9,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,277,000 | 81,092,000 | 79,307,000 | 80,687,000 |
| Interest-bearing deposits | 67,739,000 | 64,762,000 | 64,144,000 | 64,817,000 |
| Noninterest-bearing deposits | 14,538,000 | 16,330,000 | 15,163,000 | 15,870,000 |
| Equity capital | 11,911,000 | 12,143,000 | 12,385,000 | 11,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,106,000 | 3,199,000 | 4,256,000 |
| Interest expense | 75,000 | 145,000 | 216,000 | 289,000 |
| Net interest income | 985,000 | 1,961,000 | 2,983,000 | 3,967,000 |
| Noninterest income | 99,000 | 199,000 | 393,000 | 599,000 |
| Noninterest expense | 832,000 | 1,636,000 | 2,457,000 | 3,320,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 524,000 | 919,000 | 1,246,000 |
| Income tax | 82,000 | 192,000 | 336,000 | 956,000 |
| Net income | 170,000 | 332,000 | 583,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,342,000 | 10,604,000 | 10,984,000 | 11,337,000 |
| Total capital | 11,116,000 | 11,382,000 | 11,785,000 | 12,152,000 |
| Risk-weighted assets | 69,564,000 | 70,630,000 | 74,496,000 | 76,201,000 |