Call reports 2014
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2014
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 323,009,000 | 318,801,000 | 315,040,000 | 335,236,000 |
| Total loans | 196,988,000 | 202,097,000 | 203,789,000 | 204,985,000 |
| Allowance for loan losses | 4,310,000 | 4,483,000 | 4,691,000 | 4,259,000 |
| Securities available for sale | 100,222,000 | 91,111,000 | 89,260,000 | 97,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,979,000 | 291,184,000 | 287,019,000 | 306,441,000 |
| Interest-bearing deposits | 245,606,000 | 239,720,000 | 233,808,000 | 251,502,000 |
| Noninterest-bearing deposits | 51,373,000 | 51,464,000 | 53,211,000 | 54,939,000 |
| Equity capital | 24,629,000 | 26,299,000 | 26,443,000 | 26,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,350,000 | 6,833,000 | 10,227,000 | 13,589,000 |
| Interest expense | 390,000 | 769,000 | 1,140,000 | 1,500,000 |
| Net interest income | 2,960,000 | 6,064,000 | 9,087,000 | 12,089,000 |
| Noninterest income | 585,000 | 1,226,000 | 1,888,000 | 2,485,000 |
| Noninterest expense | 1,943,000 | 3,785,000 | 5,746,000 | 7,921,000 |
| Provision for loan losses | 125,000 | 375,000 | 600,000 | 700,000 |
| Pretax income | 1,702,000 | 3,347,000 | 4,891,000 | 6,214,000 |
| Income tax | 140,000 | 245,000 | 350,000 | 368,000 |
| Net income | 1,562,000 | 3,102,000 | 4,541,000 | 5,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,456,000 | 26,993,000 | 27,310,000 | 26,349,000 |
| Total capital | 29,097,000 | 29,690,000 | 29,961,000 | 29,128,000 |
| Risk-weighted assets | 209,553,000 | 213,914,000 | 209,978,000 | 220,935,000 |