Call reports 2010
FNB OF CENTRAL ALABAMA — 2010
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 243,791,000 | 242,876,000 | 238,594,000 | 241,335,000 |
| Total loans | 173,220,000 | 169,673,000 | 162,989,000 | 156,938,000 |
| Allowance for loan losses | 3,101,000 | 2,936,000 | 2,951,000 | 2,893,000 |
| Securities available for sale | 37,740,000 | 37,776,000 | 39,553,000 | 43,761,000 |
| Securities held to maturity | 463,000 | 355,000 | 330,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,577,000 | 204,698,000 | 200,461,000 | 204,573,000 |
| Interest-bearing deposits | 176,886,000 | 176,339,000 | 170,574,000 | 178,882,000 |
| Noninterest-bearing deposits | 28,691,000 | 28,359,000 | 29,887,000 | 25,691,000 |
| Equity capital | 23,834,000 | 23,640,000 | 23,981,000 | 22,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,847,000 | 5,661,000 | 8,419,000 | 11,051,000 |
| Interest expense | 920,000 | 1,815,000 | 2,656,000 | 3,469,000 |
| Net interest income | 1,927,000 | 3,846,000 | 5,763,000 | 7,582,000 |
| Noninterest income | 472,000 | 878,000 | 1,353,000 | 1,766,000 |
| Noninterest expense | 1,752,000 | 3,494,000 | 5,310,000 | 7,313,000 |
| Provision for loan losses | 199,000 | 1,528,000 | 1,944,000 | 2,810,000 |
| Pretax income | 493,000 | -253,000 | 86,000 | -551,000 |
| Income tax | 166,000 | -143,000 | -106,000 | -258,000 |
| Net income | 327,000 | -110,000 | 192,000 | -293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,913,000 | 23,411,000 | 23,714,000 | 22,660,000 |
| Total capital | 26,061,000 | 25,554,000 | 25,786,000 | 24,682,000 |
| Risk-weighted assets | 171,739,000 | 170,874,000 | 164,910,000 | 165,120,000 |