Call reports 2003
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2003
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 84,077,000 | 90,578,000 | 100,446,000 | 94,322,000 |
| Total loans | 49,633,000 | 56,232,000 | 64,203,000 | 67,181,000 |
| Allowance for loan losses | 542,000 | 613,000 | 702,000 | 885,000 |
| Securities available for sale | 20,543,000 | 20,661,000 | 19,353,000 | 18,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,781,000 | 81,081,000 | 91,075,000 | 84,875,000 |
| Interest-bearing deposits | 64,859,000 | 71,668,000 | 77,972,000 | 74,970,000 |
| Noninterest-bearing deposits | 9,922,000 | 9,413,000 | 13,103,000 | 9,905,000 |
| Equity capital | 8,669,000 | 8,921,000 | 8,913,000 | 8,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,161,000 | 3,404,000 | 4,720,000 |
| Interest expense | 377,000 | 762,000 | 1,136,000 | 1,523,000 |
| Net interest income | 666,000 | 1,399,000 | 2,268,000 | 3,197,000 |
| Noninterest income | 54,000 | 106,000 | 175,000 | 320,000 |
| Noninterest expense | 598,000 | 1,156,000 | 1,804,000 | 2,575,000 |
| Provision for loan losses | 70,000 | 144,000 | 231,000 | 427,000 |
| Pretax income | 126,000 | 320,000 | 514,000 | 598,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 126,000 | 320,000 | 514,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,441,000 | 8,635,000 | 8,829,000 | 8,913,000 |
| Total capital | 8,983,000 | 9,248,000 | 9,531,000 | 9,798,000 |
| Risk-weighted assets | 60,424,000 | 60,731,000 | 71,156,000 | 73,252,000 |
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