Call reports 2009
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2009
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 243,834,000 | 245,598,000 | 248,685,000 | 255,075,000 |
| Total loans | 174,480,000 | 175,756,000 | 181,171,000 | 182,695,000 |
| Allowance for loan losses | 1,736,000 | 1,979,000 | 1,991,000 | 2,150,000 |
| Securities available for sale | 49,361,000 | 49,022,000 | 42,751,000 | 46,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,756,000 | 220,229,000 | 222,820,000 | 231,735,000 |
| Interest-bearing deposits | 192,080,000 | 190,726,000 | 192,762,000 | 201,456,000 |
| Noninterest-bearing deposits | 26,676,000 | 29,503,000 | 30,058,000 | 30,278,000 |
| Equity capital | 18,218,000 | 18,243,000 | 19,131,000 | 18,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,439,000 | 6,913,000 | 10,391,000 | 13,794,000 |
| Interest expense | 1,174,000 | 2,290,000 | 3,354,000 | 4,372,000 |
| Net interest income | 2,265,000 | 4,623,000 | 7,037,000 | 9,422,000 |
| Noninterest income | 478,000 | 933,000 | 1,413,000 | 1,918,000 |
| Noninterest expense | 1,479,000 | 3,131,000 | 4,552,000 | 6,157,000 |
| Provision for loan losses | 285,000 | 610,000 | 1,160,000 | 1,721,000 |
| Pretax income | 1,024,000 | 1,741,000 | 2,708,000 | 3,432,000 |
| Income tax | 76,000 | 142,000 | 215,000 | 212,000 |
| Net income | 948,000 | 1,599,000 | 2,493,000 | 3,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,819,000 | 18,018,000 | 18,099,000 | 18,373,000 |
| Total capital | 19,555,000 | 19,996,000 | 20,089,000 | 20,523,000 |
| Risk-weighted assets | 177,730,000 | 180,237,000 | 183,028,000 | 186,724,000 |