Call reports 2016
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2016
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 347,505,000 | 344,168,000 | 346,770,000 | 354,828,000 |
| Total loans | 212,060,000 | 215,324,000 | 218,180,000 | 222,699,000 |
| Allowance for loan losses | 4,663,000 | 4,784,000 | 4,696,000 | 4,701,000 |
| Securities available for sale | 113,095,000 | 106,711,000 | 108,134,000 | 98,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,911,000 | 311,944,000 | 313,429,000 | 325,003,000 |
| Interest-bearing deposits | 251,061,000 | 247,969,000 | 245,905,000 | 257,506,000 |
| Noninterest-bearing deposits | 64,850,000 | 63,975,000 | 67,524,000 | 67,497,000 |
| Equity capital | 28,551,000 | 29,579,000 | 29,929,000 | 26,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,491,000 | 7,030,000 | 10,622,000 | 14,120,000 |
| Interest expense | 319,000 | 635,000 | 975,000 | 1,299,000 |
| Net interest income | 3,172,000 | 6,395,000 | 9,647,000 | 12,821,000 |
| Noninterest income | 720,000 | 1,473,000 | 2,377,000 | 3,028,000 |
| Noninterest expense | 1,968,000 | 4,081,000 | 6,092,000 | 8,283,000 |
| Provision for loan losses | 175,000 | 300,000 | 500,000 | 675,000 |
| Pretax income | 1,749,000 | 3,442,000 | 5,380,000 | 6,838,000 |
| Income tax | 105,000 | 210,000 | 325,000 | 415,000 |
| Net income | 1,644,000 | 3,232,000 | 5,055,000 | 6,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,992,000 | 29,624,000 | 28,424,000 | 28,365,000 |
| Total capital | 30,757,000 | 32,556,000 | 31,333,000 | 31,364,000 |
| Risk-weighted assets | 219,204,000 | 232,593,000 | 230,924,000 | 238,190,000 |