Call reports 2020
NORTH ALABAMA BANK — 2020
What NORTH ALABAMA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 119,432,000 | 127,437,000 | 132,426,000 | 132,975,000 |
| Total loans | 82,420,000 | 92,487,000 | 89,988,000 | 83,358,000 |
| Allowance for loan losses | 825,000 | 847,000 | 864,000 | 1,020,000 |
| Securities available for sale | 10,422,000 | 10,305,000 | 10,171,000 | 9,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,050,000 | 111,509,000 | 116,282,000 | 116,967,000 |
| Interest-bearing deposits | 82,068,000 | 84,835,000 | 87,764,000 | 87,033,000 |
| Noninterest-bearing deposits | 21,982,000 | 26,674,000 | 28,518,000 | 29,934,000 |
| Equity capital | 13,669,000 | 14,082,000 | 14,370,000 | 14,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,560,000 | 3,193,000 | 4,818,000 | 6,510,000 |
| Interest expense | 259,000 | 492,000 | 715,000 | 907,000 |
| Net interest income | 1,301,000 | 2,701,000 | 4,103,000 | 5,603,000 |
| Noninterest income | 119,000 | 228,000 | 354,000 | 474,000 |
| Noninterest expense | 1,043,000 | 2,046,000 | 3,103,000 | 4,176,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 220,000 |
| Pretax income | 362,000 | 853,000 | 1,294,000 | 2,014,000 |
| Income tax | 84,000 | 222,000 | 325,000 | 505,000 |
| Net income | 278,000 | 631,000 | 969,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,597,000 | 11,983,000 | 12,334,000 | 12,610,000 |