Call reports 2018
NORTH ALABAMA BANK — 2018
What NORTH ALABAMA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 92,734,000 | 92,835,000 | 102,804,000 | 101,277,000 |
| Total loans | 66,227,000 | 69,874,000 | 71,763,000 | 69,653,000 |
| Allowance for loan losses | 818,000 | 831,000 | 18,000 | 620,000 |
| Securities available for sale | 8,823,000 | 8,672,000 | 8,889,000 | 8,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,384,000 | 80,629,000 | 86,676,000 | 86,686,000 |
| Interest-bearing deposits | 64,427,000 | 63,588,000 | 69,630,000 | 68,661,000 |
| Noninterest-bearing deposits | 15,957,000 | 17,041,000 | 17,046,000 | 18,025,000 |
| Equity capital | 12,148,000 | 11,990,000 | 14,615,000 | 13,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 820,000 | 2,135,000 | 3,718,000 |
| Interest expense | 74,000 | 44,000 | 172,000 | 332,000 |
| Net interest income | 1,016,000 | 776,000 | 1,963,000 | 3,386,000 |
| Noninterest income | 180,000 | 55,000 | 1,037,000 | 1,151,000 |
| Noninterest expense | 842,000 | 534,000 | 1,462,000 | 2,546,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 354,000 | 297,000 | 1,538,000 | 1,391,000 |
| Income tax | 88,000 | 101,000 | 190,000 | 166,000 |
| Net income | 266,000 | 196,000 | 1,348,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,669,000 | 10,561,000 | 12,582,000 | 11,398,000 |
| Total capital | 12,487,000 | 11,392,000 | 12,600,000 | 12,018,000 |
| Risk-weighted assets | 75,993,000 | 80,002,000 | 85,040,000 | 81,801,000 |