Call reports 2003
FNB OF CENTRAL ALABAMA — 2003
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 143,128,000 | 142,982,000 | 146,409,000 | 149,380,000 |
| Total loans | 100,202,000 | 100,750,000 | 104,281,000 | 104,418,000 |
| Allowance for loan losses | 1,291,000 | 1,276,000 | 1,434,000 | 1,200,000 |
| Securities available for sale | 24,684,000 | 24,407,000 | 26,429,000 | 27,718,000 |
| Securities held to maturity | 3,791,000 | 3,630,000 | 3,289,000 | 3,172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,646,000 | 123,082,000 | 124,013,000 | 129,117,000 |
| Interest-bearing deposits | 110,648,000 | 110,058,000 | 110,842,000 | 115,691,000 |
| Noninterest-bearing deposits | 12,998,000 | 13,024,000 | 13,171,000 | 13,426,000 |
| Equity capital | 13,354,000 | 13,548,000 | 13,622,000 | 14,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,189,000 | 4,374,000 | 6,549,000 | 8,705,000 |
| Interest expense | 818,000 | 1,631,000 | 2,433,000 | 3,233,000 |
| Net interest income | 1,371,000 | 2,743,000 | 4,116,000 | 5,472,000 |
| Noninterest income | 270,000 | 585,000 | 876,000 | 1,172,000 |
| Noninterest expense | 2,087,000 | 3,729,000 | 4,739,000 | 5,826,000 |
| Provision for loan losses | 211,000 | 255,000 | 255,000 | 20,000 |
| Pretax income | -677,000 | -712,000 | -91,000 | 697,000 |
| Income tax | -287,000 | -366,000 | -226,000 | -31,000 |
| Net income | -390,000 | -346,000 | 135,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,807,000 | 12,851,000 | 13,330,000 | 13,888,000 |
| Total capital | 14,029,000 | 14,078,000 | 14,613,000 | 15,088,000 |
| Risk-weighted assets | 97,690,000 | 98,124,000 | 102,516,000 | 102,681,000 |