Call reports 2025
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2025
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 661,431,000 | 657,238,000 | 672,575,000 | 675,702,000 |
| Total loans | 415,869,000 | 446,325,000 | 453,365,000 | 465,391,000 |
| Allowance for loan losses | 7,854,000 | 8,133,000 | 8,429,000 | 8,958,000 |
| Securities available for sale | 83,169,000 | 82,864,000 | 87,995,000 | 86,405,000 |
| Securities held to maturity | 79,519,000 | 78,274,000 | 76,932,000 | 75,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,557,000 | 611,103,000 | 622,029,000 | 623,616,000 |
| Interest-bearing deposits | 455,897,000 | 453,884,000 | 457,984,000 | 465,740,000 |
| Noninterest-bearing deposits | 161,660,000 | 157,219,000 | 164,045,000 | 157,876,000 |
| Equity capital | 37,166,000 | 38,196,000 | 41,437,000 | 43,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,941,000 | 18,566,000 | 28,557,000 | 38,535,000 |
| Interest expense | 1,998,000 | 4,173,000 | 6,467,000 | 8,695,000 |
| Net interest income | 6,943,000 | 14,393,000 | 22,090,000 | 29,840,000 |
| Noninterest income | 1,146,000 | 2,251,000 | 3,502,000 | 4,722,000 |
| Noninterest expense | 4,229,000 | 8,023,000 | 12,377,000 | 16,707,000 |
| Provision for loan losses | 225,000 | 500,000 | 875,000 | 1,475,000 |
| Pretax income | 3,576,000 | 7,903,000 | 12,068,000 | 15,709,000 |
| Income tax | 225,000 | 470,000 | 750,000 | 916,000 |
| Net income | 3,351,000 | 7,433,000 | 11,318,000 | 14,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,845,000 | 55,879,000 | 56,810,000 | 57,331,000 |
| Total capital | 61,111,000 | 62,471,000 | 63,396,000 | 63,994,000 |
| Risk-weighted assets | 499,279,000 | 525,309,000 | 524,558,000 | 530,216,000 |