Call reports 2019
NORTH ALABAMA BANK — 2019
What NORTH ALABAMA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 107,976,000 | 108,875,000 | 114,240,000 | 118,042,000 |
| Total loans | 75,840,000 | 80,251,000 | 79,209,000 | 80,458,000 |
| Allowance for loan losses | 633,000 | 677,000 | 733,000 | 772,000 |
| Securities available for sale | 8,598,000 | 8,598,000 | 7,529,000 | 6,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,126,000 | 93,237,000 | 98,693,000 | 103,148,000 |
| Interest-bearing deposits | 73,865,000 | 74,643,000 | 77,361,000 | 80,325,000 |
| Noninterest-bearing deposits | 19,261,000 | 18,594,000 | 21,332,000 | 22,823,000 |
| Equity capital | 13,638,000 | 13,965,000 | 13,975,000 | 13,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,979,000 | 4,606,000 | 6,352,000 |
| Interest expense | 189,000 | 421,000 | 665,000 | 917,000 |
| Net interest income | 1,240,000 | 2,558,000 | 3,941,000 | 5,435,000 |
| Noninterest income | 121,000 | 230,000 | 343,000 | 419,000 |
| Noninterest expense | 1,049,000 | 2,049,000 | 3,050,000 | 4,105,000 |
| Provision for loan losses | 15,000 | 55,000 | 105,000 | 135,000 |
| Pretax income | 297,000 | 684,000 | 1,129,000 | 1,614,000 |
| Income tax | 59,000 | 158,000 | 289,000 | 415,000 |
| Net income | 238,000 | 526,000 | 840,000 | 1,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,739,000 | 12,001,000 | 11,913,000 | 11,321,000 |
| Total capital | 12,372,000 | 12,678,000 | 12,646,000 | 12,093,000 |
| Risk-weighted assets | 86,093,000 | 90,049,000 | 89,119,000 | 91,447,000 |