Call reports 2023
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2023
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 568,949,000 | 565,938,000 | 573,353,000 | 590,841,000 |
| Total loans | 333,104,000 | 343,714,000 | 352,358,000 | 357,434,000 |
| Allowance for loan losses | 6,231,000 | 6,552,000 | 6,641,000 | 6,865,000 |
| Securities available for sale | 99,922,000 | 94,709,000 | 89,616,000 | 94,833,000 |
| Securities held to maturity | 89,296,000 | 88,013,000 | 86,390,000 | 85,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,929,000 | 536,166,000 | 544,479,000 | 556,452,000 |
| Interest-bearing deposits | 384,220,000 | 371,951,000 | 385,131,000 | 404,900,000 |
| Noninterest-bearing deposits | 155,709,000 | 164,215,000 | 159,348,000 | 151,552,000 |
| Equity capital | 24,814,000 | 24,858,000 | 23,465,000 | 29,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,502,000 | 13,305,000 | 20,512,000 | 28,201,000 |
| Interest expense | 691,000 | 1,580,000 | 2,887,000 | 4,415,000 |
| Net interest income | 5,811,000 | 11,725,000 | 17,625,000 | 23,786,000 |
| Noninterest income | 1,272,000 | 2,240,000 | 3,155,000 | 3,984,000 |
| Noninterest expense | 3,507,000 | 6,735,000 | 10,280,000 | 13,806,000 |
| Provision for loan losses | 0 | 300,000 | 375,000 | 628,000 |
| Pretax income | 3,576,000 | 6,911,000 | 10,084,000 | 13,295,000 |
| Income tax | 195,000 | 411,000 | 611,000 | 827,000 |
| Net income | 3,381,000 | 6,500,000 | 9,473,000 | 12,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,713,000 | 48,864,000 | 49,776,000 | 50,772,000 |
| Total capital | 53,311,000 | 54,624,000 | 55,609,000 | 56,825,000 |
| Risk-weighted assets | 447,044,000 | 459,819,000 | 465,673,000 | 483,258,000 |