Call reports 2017
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2017
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 356,432,000 | 353,951,000 | 345,307,000 | 362,464,000 |
| Total loans | 222,606,000 | 227,527,000 | 232,696,000 | 232,931,000 |
| Allowance for loan losses | 4,887,000 | 5,059,000 | 5,170,000 | 5,228,000 |
| Securities available for sale | 110,233,000 | 105,108,000 | 93,032,000 | 94,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,036,000 | 321,950,000 | 313,011,000 | 331,063,000 |
| Interest-bearing deposits | 258,035,000 | 252,024,000 | 242,585,000 | 257,402,000 |
| Noninterest-bearing deposits | 68,002,000 | 69,926,000 | 70,426,000 | 73,661,000 |
| Equity capital | 26,923,000 | 28,643,000 | 28,678,000 | 27,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,616,000 | 7,384,000 | 11,176,000 | 14,917,000 |
| Interest expense | 324,000 | 656,000 | 939,000 | 1,269,000 |
| Net interest income | 3,292,000 | 6,728,000 | 10,237,000 | 13,648,000 |
| Noninterest income | 819,000 | 1,579,000 | 2,305,000 | 2,923,000 |
| Noninterest expense | 2,053,000 | 4,337,000 | 6,321,000 | 8,578,000 |
| Provision for loan losses | 150,000 | 250,000 | 425,000 | 550,000 |
| Pretax income | 1,920,000 | 3,731,000 | 5,789,000 | 7,440,000 |
| Income tax | 135,000 | 270,000 | 405,000 | 470,000 |
| Net income | 1,785,000 | 3,461,000 | 5,384,000 | 6,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,550,000 | 28,613,000 | 28,927,000 | 28,857,000 |
| Total capital | 31,526,000 | 31,688,000 | 32,016,000 | 32,285,000 |
| Risk-weighted assets | 236,069,000 | 244,002,000 | 245,065,000 | 272,515,000 |