Call reports 2018
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2018
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 358,628,000 | 357,193,000 | 353,575,000 | 373,533,000 |
| Total loans | 234,944,000 | 238,551,000 | 244,066,000 | 251,461,000 |
| Allowance for loan losses | 5,409,000 | 5,450,000 | 5,473,000 | 5,604,000 |
| Securities available for sale | 99,337,000 | 93,255,000 | 84,004,000 | 80,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,773,000 | 326,305,000 | 324,272,000 | 343,070,000 |
| Interest-bearing deposits | 252,629,000 | 248,992,000 | 247,491,000 | 265,168,000 |
| Noninterest-bearing deposits | 76,144,000 | 77,313,000 | 76,781,000 | 77,902,000 |
| Equity capital | 26,362,000 | 26,071,000 | 25,685,000 | 26,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,819,000 | 7,806,000 | 11,763,000 | 15,956,000 |
| Interest expense | 294,000 | 623,000 | 975,000 | 1,429,000 |
| Net interest income | 3,525,000 | 7,183,000 | 10,788,000 | 14,527,000 |
| Noninterest income | 876,000 | 1,593,000 | 2,353,000 | 3,036,000 |
| Noninterest expense | 2,166,000 | 4,447,000 | 6,541,000 | 8,979,000 |
| Provision for loan losses | 150,000 | 275,000 | 350,000 | 550,000 |
| Pretax income | 2,085,000 | 4,054,000 | 6,231,000 | 8,007,000 |
| Income tax | 135,000 | 270,000 | 405,000 | 540,000 |
| Net income | 1,950,000 | 3,784,000 | 5,826,000 | 7,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,964,000 | 29,028,000 | 29,393,000 | 29,311,000 |
| Total capital | 32,166,000 | 32,253,000 | 32,792,000 | 32,881,000 |
| Risk-weighted assets | 253,992,000 | 255,842,000 | 269,710,000 | 283,477,000 |