Call reports 2008
FNB OF CENTRAL ALABAMA — 2008
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 228,772,000 | 238,055,000 | 243,736,000 | 252,360,000 |
| Total loans | 173,010,000 | 180,923,000 | 192,379,000 | 197,106,000 |
| Allowance for loan losses | 2,122,000 | 2,207,000 | 2,462,000 | 3,079,000 |
| Securities available for sale | 31,410,000 | 32,295,000 | 29,036,000 | 30,407,000 |
| Securities held to maturity | 966,000 | 891,000 | 866,000 | 756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,063,000 | 195,715,000 | 198,652,000 | 211,399,000 |
| Interest-bearing deposits | 171,190,000 | 171,413,000 | 172,787,000 | 185,467,000 |
| Noninterest-bearing deposits | 26,873,000 | 24,302,000 | 25,865,000 | 25,932,000 |
| Equity capital | 22,762,000 | 22,330,000 | 22,691,000 | 22,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,577,000 | 6,904,000 | 10,440,000 | 13,725,000 |
| Interest expense | 1,665,000 | 3,200,000 | 4,763,000 | 6,234,000 |
| Net interest income | 1,912,000 | 3,704,000 | 5,677,000 | 7,491,000 |
| Noninterest income | 412,000 | 852,000 | 1,307,000 | 1,777,000 |
| Noninterest expense | 1,685,000 | 3,404,000 | 5,307,000 | 7,050,000 |
| Provision for loan losses | 106,000 | 256,000 | 495,000 | 1,271,000 |
| Pretax income | 579,000 | 942,000 | 1,265,000 | 1,164,000 |
| Income tax | 174,000 | 278,000 | 373,000 | 217,000 |
| Net income | 405,000 | 664,000 | 892,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,567,000 | 22,701,000 | 22,930,000 | 22,877,000 |
| Total capital | 24,689,000 | 24,908,000 | 25,346,000 | 25,208,000 |
| Risk-weighted assets | 171,721,000 | 183,857,000 | 193,251,000 | 209,455,000 |