Call reports 2002
FNB OF CENTRAL ALABAMA — 2002
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 135,054,000 | 136,665,000 | 142,110,000 | 144,102,000 |
| Total loans | 95,313,000 | 97,578,000 | 98,453,000 | 100,237,000 |
| Allowance for loan losses | 1,207,000 | 1,233,000 | 1,253,000 | 1,276,000 |
| Securities available for sale | 24,136,000 | 24,191,000 | 24,531,000 | 26,458,000 |
| Securities held to maturity | 5,380,000 | 4,507,000 | 4,216,000 | 4,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,415,000 | 122,351,000 | 121,641,000 | 123,963,000 |
| Interest-bearing deposits | 109,352,000 | 110,199,000 | 109,558,000 | 110,294,000 |
| Noninterest-bearing deposits | 12,063,000 | 12,152,000 | 12,083,000 | 13,669,000 |
| Equity capital | 12,272,000 | 12,886,000 | 13,446,000 | 13,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,385,000 | 4,699,000 | 7,005,000 | 9,272,000 |
| Interest expense | 920,000 | 1,771,000 | 2,645,000 | 3,520,000 |
| Net interest income | 1,465,000 | 2,928,000 | 4,360,000 | 5,752,000 |
| Noninterest income | 233,000 | 463,000 | 706,000 | 942,000 |
| Noninterest expense | 1,108,000 | 2,167,000 | 3,228,000 | 4,302,000 |
| Provision for loan losses | 19,000 | 164,000 | 193,000 | 237,000 |
| Pretax income | 568,000 | 1,068,000 | 1,688,000 | 2,184,000 |
| Income tax | 92,000 | 235,000 | 477,000 | 558,000 |
| Net income | 476,000 | 833,000 | 1,211,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,220,000 | 12,491,000 | 12,869,000 | 13,197,000 |
| Total capital | 13,375,000 | 13,654,000 | 14,061,000 | 14,427,000 |
| Risk-weighted assets | 92,332,000 | 93,244,000 | 94,570,000 | 98,557,000 |