Call reports 2006
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2006
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 163,916,000 | 170,701,000 | 174,582,000 | 176,867,000 |
| Total loans | 114,138,000 | 122,373,000 | 126,655,000 | 130,954,000 |
| Allowance for loan losses | 1,306,000 | 1,363,000 | 1,438,000 | 1,526,000 |
| Securities available for sale | 26,079,000 | 27,922,000 | 27,338,000 | 30,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,884,000 | 157,818,000 | 160,722,000 | 161,907,000 |
| Interest-bearing deposits | 124,450,000 | 129,196,000 | 130,366,000 | 133,889,000 |
| Noninterest-bearing deposits | 27,434,000 | 28,622,000 | 30,356,000 | 28,018,000 |
| Equity capital | 10,728,000 | 11,272,000 | 12,252,000 | 13,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,360,000 | 5,028,000 | 7,839,000 | 10,775,000 |
| Interest expense | 918,000 | 1,950,000 | 3,049,000 | 4,277,000 |
| Net interest income | 1,442,000 | 3,078,000 | 4,790,000 | 6,498,000 |
| Noninterest income | 444,000 | 880,000 | 1,286,000 | 1,854,000 |
| Noninterest expense | 1,194,000 | 2,371,000 | 3,431,000 | 4,655,000 |
| Provision for loan losses | 75,000 | 155,000 | 235,000 | 335,000 |
| Pretax income | 617,000 | 1,432,000 | 2,410,000 | 3,362,000 |
| Income tax | 30,000 | 70,000 | 110,000 | 210,000 |
| Net income | 366,000 | 1,141,000 | 2,079,000 | 3,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,135,000 | 11,910,000 | 12,630,000 | 13,551,000 |
| Total capital | 12,441,000 | 13,273,000 | 14,068,000 | 15,077,000 |
| Risk-weighted assets | 123,624,000 | 132,535,000 | 136,896,000 | 135,278,000 |