Call reports 2009
FNB OF CENTRAL ALABAMA — 2009
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,973,000 | 247,485,000 | 245,332,000 | 245,532,000 |
| Total loans | 194,662,000 | 190,507,000 | 185,382,000 | 184,630,000 |
| Allowance for loan losses | 3,111,000 | 2,985,000 | 2,927,000 | 3,060,000 |
| Securities available for sale | 35,180,000 | 35,202,000 | 33,803,000 | 32,480,000 |
| Securities held to maturity | 731,000 | 510,000 | 472,000 | 463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,654,000 | 207,761,000 | 206,848,000 | 206,804,000 |
| Interest-bearing deposits | 192,763,000 | 180,452,000 | 180,214,000 | 179,834,000 |
| Noninterest-bearing deposits | 25,891,000 | 27,309,000 | 26,634,000 | 26,970,000 |
| Equity capital | 22,839,000 | 22,623,000 | 23,626,000 | 23,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,163,000 | 6,189,000 | 9,281,000 | 12,289,000 |
| Interest expense | 1,320,000 | 2,566,000 | 3,785,000 | 4,795,000 |
| Net interest income | 1,843,000 | 3,623,000 | 5,496,000 | 7,494,000 |
| Noninterest income | 538,000 | 1,066,000 | 1,548,000 | 2,040,000 |
| Noninterest expense | 1,853,000 | 4,279,000 | 6,187,000 | 8,168,000 |
| Provision for loan losses | 45,000 | 121,000 | 235,000 | 430,000 |
| Pretax income | 474,000 | 377,000 | 710,000 | 1,024,000 |
| Income tax | 140,000 | 44,000 | 102,000 | 181,000 |
| Net income | 334,000 | 333,000 | 608,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,077,000 | 23,077,000 | 23,351,000 | 23,586,000 |
| Total capital | 25,506,000 | 25,456,000 | 25,678,000 | 25,830,000 |
| Risk-weighted assets | 193,626,000 | 189,718,000 | 185,605,000 | 179,400,000 |