Call reports 2008
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2008
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 228,250,000 | 222,660,000 | 233,314,000 | 235,900,000 |
| Total loans | 158,119,000 | 161,713,000 | 166,614,000 | 171,790,000 |
| Allowance for loan losses | 1,868,000 | 1,917,000 | 1,932,000 | 2,124,000 |
| Securities available for sale | 48,829,000 | 45,020,000 | 44,721,000 | 43,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,820,000 | 204,656,000 | 211,220,000 | 211,736,000 |
| Interest-bearing deposits | 180,781,000 | 174,675,000 | 180,479,000 | 183,262,000 |
| Noninterest-bearing deposits | 29,039,000 | 29,981,000 | 30,741,000 | 28,474,000 |
| Equity capital | 15,891,000 | 15,328,000 | 16,867,000 | 17,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,566,000 | 7,055,000 | 10,516,000 | 13,977,000 |
| Interest expense | 1,581,000 | 2,973,000 | 4,283,000 | 5,525,000 |
| Net interest income | 1,985,000 | 4,082,000 | 6,233,000 | 8,452,000 |
| Noninterest income | 519,000 | 1,077,000 | 1,423,000 | 2,076,000 |
| Noninterest expense | 1,445,000 | 3,017,000 | 4,225,000 | 6,231,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 350,000 |
| Pretax income | 1,077,000 | 2,088,000 | 3,302,000 | 4,032,000 |
| Income tax | 90,000 | 170,000 | 234,000 | 229,000 |
| Net income | 987,000 | 1,918,000 | 3,068,000 | 3,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,408,000 | 16,338,000 | 17,037,000 | 17,320,000 |
| Total capital | 17,276,000 | 18,255,000 | 18,969,000 | 19,444,000 |
| Risk-weighted assets | 167,347,000 | 170,851,000 | 174,168,000 | 175,750,000 |
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