Call reports 2007
FNB OF CENTRAL ALABAMA — 2007
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 209,883,000 | 219,563,000 | 221,095,000 | 220,074,000 |
| Total loans | 147,835,000 | 155,142,000 | 160,182,000 | 160,859,000 |
| Allowance for loan losses | 1,814,000 | 1,982,000 | 1,973,000 | 2,072,000 |
| Securities available for sale | 36,788,000 | 35,561,000 | 35,514,000 | 35,078,000 |
| Securities held to maturity | 1,266,000 | 1,266,000 | 1,236,000 | 1,106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,329,000 | 190,464,000 | 190,647,000 | 189,162,000 |
| Interest-bearing deposits | 158,325,000 | 166,900,000 | 167,670,000 | 164,806,000 |
| Noninterest-bearing deposits | 22,004,000 | 23,564,000 | 22,977,000 | 24,356,000 |
| Equity capital | 21,782,000 | 21,342,000 | 22,196,000 | 22,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,527,000 | 7,097,000 | 10,858,000 | 14,584,000 |
| Interest expense | 1,577,000 | 3,200,000 | 4,949,000 | 6,682,000 |
| Net interest income | 1,950,000 | 3,897,000 | 5,909,000 | 7,902,000 |
| Noninterest income | 413,000 | 841,000 | 1,307,000 | 1,581,000 |
| Noninterest expense | 1,808,000 | 3,566,000 | 5,439,000 | 7,320,000 |
| Provision for loan losses | 103,000 | 400,000 | 433,000 | 964,000 |
| Pretax income | 451,000 | 766,000 | 1,376,000 | 1,228,000 |
| Income tax | 92,000 | 183,000 | 275,000 | 201,000 |
| Net income | 359,000 | 583,000 | 1,101,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,867,000 | 21,966,000 | 22,360,000 | 22,286,000 |
| Total capital | 23,681,000 | 23,948,000 | 24,333,000 | 24,358,000 |
| Risk-weighted assets | 157,255,000 | 163,322,000 | 167,027,000 | 167,436,000 |