Call reports 2006
FNB OF CENTRAL ALABAMA — 2006
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 204,089,000 | 205,229,000 | 207,363,000 | 208,687,000 |
| Total loans | 146,086,000 | 145,813,000 | 147,792,000 | 146,464,000 |
| Allowance for loan losses | 1,812,000 | 1,717,000 | 1,842,000 | 1,725,000 |
| Securities available for sale | 31,089,000 | 34,253,000 | 35,681,000 | 38,624,000 |
| Securities held to maturity | 1,905,000 | 1,763,000 | 1,598,000 | 1,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,425,000 | 177,466,000 | 178,215,000 | 179,302,000 |
| Interest-bearing deposits | 153,393,000 | 155,784,000 | 155,903,000 | 154,762,000 |
| Noninterest-bearing deposits | 23,032,000 | 21,682,000 | 22,312,000 | 24,540,000 |
| Equity capital | 20,480,000 | 20,576,000 | 21,173,000 | 21,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,207,000 | 6,407,000 | 9,814,000 | 13,291,000 |
| Interest expense | 1,292,000 | 2,640,000 | 4,113,000 | 5,683,000 |
| Net interest income | 1,915,000 | 3,767,000 | 5,701,000 | 7,608,000 |
| Noninterest income | 430,000 | 898,000 | 1,324,000 | 1,777,000 |
| Noninterest expense | 1,746,000 | 3,541,000 | 5,336,000 | 7,181,000 |
| Provision for loan losses | 77,000 | 261,000 | 387,000 | 509,000 |
| Pretax income | 518,000 | 857,000 | 1,329,000 | 1,723,000 |
| Income tax | 90,000 | 130,000 | 222,000 | 218,000 |
| Net income | 428,000 | 727,000 | 1,107,000 | 1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,759,000 | 21,015,000 | 21,393,000 | 21,633,000 |
| Total capital | 22,571,000 | 22,732,000 | 23,235,000 | 23,358,000 |
| Risk-weighted assets | 153,704,000 | 153,716,000 | 157,355,000 | 171,034,000 |