Call reports 2005
FNB OF CENTRAL ALABAMA — 2005
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 178,422,000 | 181,236,000 | 196,094,000 | 203,463,000 |
| Total loans | 124,925,000 | 129,541,000 | 144,047,000 | 147,274,000 |
| Allowance for loan losses | 1,361,000 | 1,429,000 | 1,744,000 | 1,767,000 |
| Securities available for sale | 31,872,000 | 33,322,000 | 31,299,000 | 31,037,000 |
| Securities held to maturity | 2,464,000 | 2,173,000 | 1,983,000 | 1,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,080,000 | 158,614,000 | 172,808,000 | 175,808,000 |
| Interest-bearing deposits | 139,112,000 | 140,668,000 | 152,299,000 | 154,712,000 |
| Noninterest-bearing deposits | 16,968,000 | 17,946,000 | 20,509,000 | 21,096,000 |
| Equity capital | 15,279,000 | 15,854,000 | 16,073,000 | 20,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,507,000 | 5,179,000 | 8,114,000 | 11,177,000 |
| Interest expense | 972,000 | 1,998,000 | 3,155,000 | 4,445,000 |
| Net interest income | 1,535,000 | 3,181,000 | 4,959,000 | 6,732,000 |
| Noninterest income | 192,000 | 617,000 | 976,000 | 1,368,000 |
| Noninterest expense | 1,273,000 | 2,668,000 | 4,093,000 | 5,779,000 |
| Provision for loan losses | 10,000 | 120,000 | 519,000 | 554,000 |
| Pretax income | 438,000 | 998,000 | 1,306,000 | 1,745,000 |
| Income tax | 160,000 | 287,000 | 280,000 | 398,000 |
| Net income | 278,000 | 711,000 | 1,026,000 | 1,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,326,000 | 15,715,000 | 16,029,000 | 20,331,000 |
| Total capital | 16,687,000 | 17,144,000 | 17,473,000 | 22,098,000 |
| Risk-weighted assets | 126,003,000 | 132,219,000 | 146,009,000 | 153,065,000 |