Call reports 2025
NORTH ALABAMA BANK — 2025
What NORTH ALABAMA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 179,258,000 | 178,707,000 | 181,141,000 | 174,950,000 |
| Total loans | 141,298,000 | 141,451,000 | 138,631,000 | 136,955,000 |
| Allowance for loan losses | 1,529,000 | 1,531,000 | 1,552,000 | 1,562,000 |
| Securities available for sale | 11,170,000 | 11,432,000 | 11,076,000 | 11,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,818,000 | 155,342,000 | 158,099,000 | 152,392,000 |
| Interest-bearing deposits | 116,496,000 | 112,831,000 | 115,892,000 | 113,331,000 |
| Noninterest-bearing deposits | 40,322,000 | 42,511,000 | 42,207,000 | 39,061,000 |
| Equity capital | 17,370,000 | 18,035,000 | 18,690,000 | 19,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,964,000 | 6,029,000 | 9,080,000 | 12,240,000 |
| Interest expense | 896,000 | 1,764,000 | 2,599,000 | 3,384,000 |
| Net interest income | 2,068,000 | 4,265,000 | 6,481,000 | 8,856,000 |
| Noninterest income | 211,000 | 424,000 | 657,000 | 901,000 |
| Noninterest expense | 1,456,000 | 2,917,000 | 4,432,000 | 5,890,000 |
| Provision for loan losses | 0 | 20,000 | 40,000 | 60,000 |
| Pretax income | 793,000 | 1,774,000 | 2,688,000 | 3,819,000 |
| Income tax | 198,000 | 439,000 | 682,000 | 952,000 |
| Net income | 595,000 | 1,335,000 | 2,006,000 | 2,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,609,000 | 18,200,000 | 18,715,000 | 19,119,000 |