Call reports 2019
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2019
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 378,929,000 | 381,070,000 | 377,785,000 | 394,595,000 |
| Total loans | 251,463,000 | 255,332,000 | 257,969,000 | 258,462,000 |
| Allowance for loan losses | 5,699,000 | 5,824,000 | 5,930,000 | 6,019,000 |
| Securities available for sale | 91,082,000 | 97,770,000 | 94,669,000 | 92,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,894,000 | 346,841,000 | 342,823,000 | 359,833,000 |
| Interest-bearing deposits | 263,344,000 | 262,783,000 | 260,596,000 | 275,748,000 |
| Noninterest-bearing deposits | 83,550,000 | 84,058,000 | 82,227,000 | 84,086,000 |
| Equity capital | 28,042,000 | 30,282,000 | 30,918,000 | 31,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,286,000 | 8,658,000 | 13,071,000 | 17,423,000 |
| Interest expense | 558,000 | 1,153,000 | 1,769,000 | 2,420,000 |
| Net interest income | 3,728,000 | 7,505,000 | 11,302,000 | 15,003,000 |
| Noninterest income | 939,000 | 1,803,000 | 2,795,000 | 3,756,000 |
| Noninterest expense | 2,364,000 | 4,685,000 | 6,947,000 | 9,562,000 |
| Provision for loan losses | 125,000 | 250,000 | 400,000 | 625,000 |
| Pretax income | 2,178,000 | 4,382,000 | 6,767,000 | 8,585,000 |
| Income tax | 135,000 | 270,000 | 405,000 | 495,000 |
| Net income | 2,043,000 | 4,112,000 | 6,362,000 | 8,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,410,000 | 29,779,000 | 30,234,000 | 30,592,000 |
| Total capital | 32,916,000 | 33,325,000 | 33,817,000 | 34,335,000 |
| Risk-weighted assets | 278,254,000 | 281,505,000 | 284,321,000 | 297,209,000 |