Call reports 2021
NORTH ALABAMA BANK — 2021
What NORTH ALABAMA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 139,267,000 | 142,356,000 | 149,037,000 | 150,790,000 |
| Total loans | 81,659,000 | 87,459,000 | 87,571,000 | 91,236,000 |
| Allowance for loan losses | 1,049,000 | 1,099,000 | 1,150,000 | 1,211,000 |
| Securities available for sale | 9,897,000 | 9,360,000 | 8,888,000 | 13,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,241,000 | 126,037,000 | 132,230,000 | 134,183,000 |
| Interest-bearing deposits | 87,364,000 | 88,043,000 | 91,499,000 | 92,940,000 |
| Noninterest-bearing deposits | 35,877,000 | 37,994,000 | 40,731,000 | 41,243,000 |
| Equity capital | 14,403,000 | 14,680,000 | 15,049,000 | 15,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,578,000 | 3,167,000 | 4,931,000 | 6,600,000 |
| Interest expense | 153,000 | 289,000 | 416,000 | 541,000 |
| Net interest income | 1,425,000 | 2,878,000 | 4,515,000 | 6,059,000 |
| Noninterest income | 142,000 | 294,000 | 451,000 | 623,000 |
| Noninterest expense | 1,127,000 | 2,349,000 | 3,563,000 | 4,735,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 80,000 |
| Pretax income | 430,000 | 802,000 | 1,382,000 | 1,866,000 |
| Income tax | 112,000 | 208,000 | 374,000 | 471,000 |
| Net income | 318,000 | 594,000 | 1,008,000 | 1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,647,000 | 12,918,000 | 13,349,000 | 13,487,000 |