Call reports 2007
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2007
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 190,070,000 | 195,288,000 | 207,661,000 | 221,975,000 |
| Total loans | 133,896,000 | 139,484,000 | 149,647,000 | 153,051,000 |
| Allowance for loan losses | 1,576,000 | 1,589,000 | 1,682,000 | 1,888,000 |
| Securities available for sale | 32,207,000 | 36,961,000 | 40,324,000 | 47,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,470,000 | 179,522,000 | 190,665,000 | 204,300,000 |
| Interest-bearing deposits | 142,415,000 | 146,128,000 | 157,906,000 | 174,862,000 |
| Noninterest-bearing deposits | 32,055,000 | 33,394,000 | 32,759,000 | 29,438,000 |
| Equity capital | 13,173,000 | 13,774,000 | 14,274,000 | 15,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,129,000 | 6,361,000 | 9,839,000 | 13,351,000 |
| Interest expense | 1,299,000 | 2,731,000 | 4,264,000 | 5,954,000 |
| Net interest income | 1,830,000 | 3,630,000 | 5,575,000 | 7,397,000 |
| Noninterest income | 534,000 | 1,058,000 | 1,616,000 | 2,129,000 |
| Noninterest expense | 1,267,000 | 2,594,000 | 3,932,000 | 5,231,000 |
| Provision for loan losses | 55,000 | 80,000 | 180,000 | 405,000 |
| Pretax income | 1,042,000 | 2,014,000 | 3,079,000 | 3,890,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 220,000 |
| Net income | 982,000 | 1,894,000 | 2,899,000 | 3,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,630,000 | 14,538,000 | 14,554,000 | 15,324,000 |
| Total capital | 15,206,000 | 16,127,000 | 16,236,000 | 17,212,000 |
| Risk-weighted assets | 143,153,000 | 146,967,000 | 153,981,000 | 164,969,000 |