Call reports 2004
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2004
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,700,000 | 110,749,000 | 116,542,000 | 117,026,000 |
| Total loans | 71,124,000 | 79,628,000 | 78,976,000 | 80,554,000 |
| Allowance for loan losses | 860,000 | 914,000 | 920,000 | 996,000 |
| Securities available for sale | 17,506,000 | 18,431,000 | 22,007,000 | 24,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,711,000 | 99,566,000 | 105,387,000 | 106,435,000 |
| Interest-bearing deposits | 81,435,000 | 86,005,000 | 89,397,000 | 89,976,000 |
| Noninterest-bearing deposits | 12,276,000 | 13,561,000 | 15,990,000 | 16,459,000 |
| Equity capital | 9,366,000 | 9,229,000 | 9,959,000 | 9,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,305,000 | 2,749,000 | 4,250,000 | 5,795,000 |
| Interest expense | 399,000 | 834,000 | 1,320,000 | 1,842,000 |
| Net interest income | 906,000 | 1,915,000 | 2,930,000 | 3,953,000 |
| Noninterest income | 129,000 | 310,000 | 475,000 | 733,000 |
| Noninterest expense | 695,000 | 1,414,000 | 2,098,000 | 2,990,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 147,000 |
| Pretax income | 340,000 | 761,000 | 1,257,000 | 1,549,000 |
| Income tax | 80,000 | 282,000 | 441,000 | 533,000 |
| Net income | 260,000 | 479,000 | 816,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,234,000 | 9,454,000 | 9,907,000 | 9,764,000 |
| Total capital | 10,094,000 | 10,368,000 | 10,827,000 | 10,760,000 |
| Risk-weighted assets | 77,703,000 | 85,371,000 | 87,517,000 | 83,280,000 |