Call reports 2001
FNB OF CENTRAL ALABAMA — 2001
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 130,229,000 | 133,945,000 | 135,172,000 | 135,927,000 |
| Total loans | 81,345,000 | 88,086,000 | 93,948,000 | 94,739,000 |
| Allowance for loan losses | 802,000 | 823,000 | 851,000 | 1,207,000 |
| Securities available for sale | 26,541,000 | 26,031,000 | 24,473,000 | 24,591,000 |
| Securities held to maturity | 7,582,000 | 6,797,000 | 5,916,000 | 5,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,076,000 | 121,117,000 | 121,649,000 | 122,483,000 |
| Interest-bearing deposits | 107,455,000 | 109,260,000 | 107,436,000 | 109,605,000 |
| Noninterest-bearing deposits | 10,621,000 | 11,857,000 | 14,213,000 | 12,878,000 |
| Equity capital | 11,123,000 | 11,380,000 | 11,903,000 | 11,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,551,000 | 5,170,000 | 7,823,000 | 10,342,000 |
| Interest expense | 1,469,000 | 2,921,000 | 4,294,000 | 5,391,000 |
| Net interest income | 1,082,000 | 2,249,000 | 3,529,000 | 4,951,000 |
| Noninterest income | 233,000 | 491,000 | 735,000 | 961,000 |
| Noninterest expense | 899,000 | 1,858,000 | 2,864,000 | 3,872,000 |
| Provision for loan losses | 55,000 | 172,000 | 217,000 | 583,000 |
| Pretax income | 359,000 | 708,000 | 1,182,000 | 1,456,000 |
| Income tax | 82,000 | 156,000 | 265,000 | 292,000 |
| Net income | 277,000 | 552,000 | 917,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,994,000 | 11,196,000 | 11,561,000 | 11,744,000 |
| Total capital | 11,796,000 | 12,019,000 | 12,412,000 | 12,944,000 |
| Risk-weighted assets | 78,439,000 | 84,850,000 | 97,971,000 | 95,997,000 |