Call reports 2022
NORTH ALABAMA BANK — 2022
What NORTH ALABAMA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 154,432,000 | 152,040,000 | 153,713,000 | 151,645,000 |
| Total loans | 93,195,000 | 98,000,000 | 111,533,000 | 115,900,000 |
| Allowance for loan losses | 1,238,000 | 1,284,000 | 1,318,000 | 1,409,000 |
| Securities available for sale | 13,899,000 | 13,377,000 | 12,463,000 | 12,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,877,000 | 136,744,000 | 138,620,000 | 136,302,000 |
| Interest-bearing deposits | 97,676,000 | 93,240,000 | 92,613,000 | 90,176,000 |
| Noninterest-bearing deposits | 41,201,000 | 43,504,000 | 46,007,000 | 46,126,000 |
| Equity capital | 14,314,000 | 14,217,000 | 14,075,000 | 14,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,655,000 | 3,331,000 | 5,191,000 | 7,259,000 |
| Interest expense | 118,000 | 226,000 | 330,000 | 451,000 |
| Net interest income | 1,537,000 | 3,105,000 | 4,861,000 | 6,808,000 |
| Noninterest income | 237,000 | 484,000 | 670,000 | 871,000 |
| Noninterest expense | 1,257,000 | 2,519,000 | 3,850,000 | 5,148,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 185,000 |
| Pretax income | 487,000 | 1,010,000 | 1,591,000 | 2,359,000 |
| Income tax | 123,000 | 257,000 | 402,000 | 588,000 |
| Net income | 364,000 | 753,000 | 1,189,000 | 1,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,494,000 | 14,013,000 | 14,455,000 | 14,769,000 |