Call reports 2020
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2020
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 399,461,000 | 463,881,000 | 470,527,000 | 473,944,000 |
| Total loans | 261,785,000 | 270,790,000 | 266,051,000 | 253,939,000 |
| Allowance for loan losses | 6,063,000 | 6,226,000 | 6,262,000 | 6,308,000 |
| Securities available for sale | 96,459,000 | 110,248,000 | 127,930,000 | 143,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,006,000 | 409,189,000 | 413,756,000 | 430,959,000 |
| Interest-bearing deposits | 273,697,000 | 286,295,000 | 296,291,000 | 309,379,000 |
| Noninterest-bearing deposits | 90,308,000 | 122,894,000 | 117,465,000 | 121,580,000 |
| Equity capital | 31,783,000 | 37,105,000 | 39,248,000 | 40,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,406,000 | 8,697,000 | 13,102,000 | 17,432,000 |
| Interest expense | 656,000 | 1,263,000 | 1,813,000 | 2,268,000 |
| Net interest income | 3,750,000 | 7,434,000 | 11,289,000 | 15,164,000 |
| Noninterest income | 1,400,000 | 2,417,000 | 3,411,000 | 4,394,000 |
| Noninterest expense | 2,485,000 | 5,106,000 | 7,455,000 | 10,036,000 |
| Provision for loan losses | 125,000 | 225,000 | 275,000 | 525,000 |
| Pretax income | 2,540,000 | 4,531,000 | 6,981,000 | 9,013,000 |
| Income tax | 135,000 | 270,000 | 405,000 | 520,000 |
| Net income | 2,405,000 | 4,261,000 | 6,576,000 | 8,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,799,000 | 34,392,000 | 36,707,000 | 37,909,000 |
| Total capital | 35,703,000 | 38,561,000 | 40,803,000 | 42,063,000 |
| Risk-weighted assets | 310,183,000 | 331,365,000 | 325,484,000 | 330,238,000 |