Call reports 2013
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2013
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 304,649,000 | 310,526,000 | 300,293,000 | 308,543,000 |
| Total loans | 190,637,000 | 190,664,000 | 190,820,000 | 195,926,000 |
| Allowance for loan losses | 4,238,000 | 4,339,000 | 4,407,000 | 4,232,000 |
| Securities available for sale | 88,475,000 | 96,661,000 | 91,055,000 | 87,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,653,000 | 282,814,000 | 275,253,000 | 283,844,000 |
| Interest-bearing deposits | 233,048,000 | 235,170,000 | 227,594,000 | 232,685,000 |
| Noninterest-bearing deposits | 44,605,000 | 47,644,000 | 47,658,000 | 51,159,000 |
| Equity capital | 25,565,000 | 24,906,000 | 22,096,000 | 23,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,297,000 | 6,648,000 | 9,976,000 | 13,334,000 |
| Interest expense | 444,000 | 879,000 | 1,311,000 | 1,723,000 |
| Net interest income | 2,853,000 | 5,769,000 | 8,665,000 | 11,611,000 |
| Noninterest income | 634,000 | 1,117,000 | 1,748,000 | 2,384,000 |
| Noninterest expense | 1,924,000 | 3,615,000 | 5,549,000 | 7,342,000 |
| Provision for loan losses | 125,000 | 350,000 | 575,000 | 725,000 |
| Pretax income | 1,438,000 | 2,932,000 | 4,308,000 | 5,721,000 |
| Income tax | 103,000 | 208,000 | 313,000 | 358,000 |
| Net income | 1,335,000 | 2,724,000 | 3,995,000 | 5,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,693,000 | 25,171,000 | 25,527,000 | 25,896,000 |
| Total capital | 27,233,000 | 27,662,000 | 27,436,000 | 28,434,000 |
| Risk-weighted assets | 202,222,000 | 196,778,000 | 196,535,000 | 201,296,000 |