Call reports 2005
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2005
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 126,145,000 | 135,782,000 | 140,963,000 | 148,935,000 |
| Total loans | 87,865,000 | 101,986,000 | 109,037,000 | 113,317,000 |
| Allowance for loan losses | 1,003,000 | 1,081,000 | 1,218,000 | 1,231,000 |
| Securities available for sale | 24,443,000 | 21,618,000 | 20,631,000 | 17,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,526,000 | 122,346,000 | 126,382,000 | 136,821,000 |
| Interest-bearing deposits | 95,448,000 | 100,028,000 | 104,574,000 | 113,519,000 |
| Noninterest-bearing deposits | 19,078,000 | 22,318,000 | 21,808,000 | 23,302,000 |
| Equity capital | 9,919,000 | 10,373,000 | 10,593,000 | 11,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,643,000 | 3,487,000 | 5,507,000 | 7,720,000 |
| Interest expense | 550,000 | 1,170,000 | 1,894,000 | 2,737,000 |
| Net interest income | 1,093,000 | 2,317,000 | 3,613,000 | 4,983,000 |
| Noninterest income | 339,000 | 696,000 | 1,083,000 | 1,499,000 |
| Noninterest expense | 984,000 | 1,955,000 | 2,947,000 | 3,970,000 |
| Provision for loan losses | 0 | 80,000 | 265,000 | 290,000 |
| Pretax income | 448,000 | 975,000 | 1,481,000 | 2,197,000 |
| Income tax | 143,000 | 305,000 | 535,000 | 705,000 |
| Net income | 305,000 | 670,000 | 946,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,069,000 | 10,435,000 | 10,596,000 | 11,256,000 |
| Total capital | 11,072,000 | 11,516,000 | 11,814,000 | 12,487,000 |
| Risk-weighted assets | 98,189,000 | 106,706,000 | 114,916,000 | 111,833,000 |
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