Call reports 2004
FNB OF CENTRAL ALABAMA — 2004
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,549,000 | 155,477,000 | 164,694,000 | 172,370,000 |
| Total loans | 106,827,000 | 112,927,000 | 117,285,000 | 121,574,000 |
| Allowance for loan losses | 1,199,000 | 1,200,000 | 1,205,000 | 1,355,000 |
| Securities available for sale | 29,484,000 | 26,544,000 | 27,020,000 | 29,023,000 |
| Securities held to maturity | 3,171,000 | 2,956,000 | 2,920,000 | 2,664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,295,000 | 134,243,000 | 142,649,000 | 150,480,000 |
| Interest-bearing deposits | 117,458,000 | 118,894,000 | 126,777,000 | 133,822,000 |
| Noninterest-bearing deposits | 14,837,000 | 15,349,000 | 15,872,000 | 16,658,000 |
| Equity capital | 14,906,000 | 14,384,000 | 15,264,000 | 15,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,376,000 | 6,628,000 | 9,026,000 |
| Interest expense | 803,000 | 1,604,000 | 2,453,000 | 3,373,000 |
| Net interest income | 1,353,000 | 2,772,000 | 4,175,000 | 5,653,000 |
| Noninterest income | 285,000 | 580,000 | 935,000 | 1,365,000 |
| Noninterest expense | 1,031,000 | 2,175,000 | 3,418,000 | 4,798,000 |
| Provision for loan losses | 24,000 | 48,000 | 90,000 | 497,000 |
| Pretax income | 596,000 | 1,126,000 | 1,592,000 | 1,707,000 |
| Income tax | 140,000 | 245,000 | 405,000 | 416,000 |
| Net income | 456,000 | 881,000 | 1,187,000 | 1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,344,000 | 14,683,000 | 14,989,000 | 15,047,000 |
| Total capital | 15,543,000 | 15,883,000 | 16,194,000 | 16,402,000 |
| Risk-weighted assets | 105,328,000 | 112,927,000 | 117,367,000 | 121,790,000 |