Call reports 2011
FNB OF CENTRAL ALABAMA — 2011
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 256,638,000 | 257,897,000 | 247,728,000 | 248,507,000 |
| Total loans | 147,189,000 | 145,591,000 | 142,172,000 | 139,907,000 |
| Allowance for loan losses | 2,876,000 | 2,660,000 | 2,564,000 | 2,433,000 |
| Securities available for sale | 59,618,000 | 63,208,000 | 66,540,000 | 65,323,000 |
| Securities held to maturity | 401,000 | 401,000 | 401,000 | 247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,640,000 | 220,153,000 | 208,986,000 | 209,730,000 |
| Interest-bearing deposits | 188,871,000 | 186,893,000 | 174,797,000 | 173,368,000 |
| Noninterest-bearing deposits | 30,769,000 | 33,260,000 | 34,189,000 | 36,362,000 |
| Equity capital | 22,999,000 | 23,649,000 | 24,576,000 | 24,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 5,201,000 | 7,786,000 | 10,270,000 |
| Interest expense | 763,000 | 1,464,000 | 2,074,000 | 2,637,000 |
| Net interest income | 1,769,000 | 3,737,000 | 5,712,000 | 7,633,000 |
| Noninterest income | 438,000 | 774,000 | 1,023,000 | 1,446,000 |
| Noninterest expense | 1,784,000 | 3,618,000 | 5,404,000 | 7,267,000 |
| Provision for loan losses | 0 | 867,000 | 867,000 | 992,000 |
| Pretax income | 435,000 | 42,000 | 480,000 | 836,000 |
| Income tax | 101,000 | -23,000 | 70,000 | 153,000 |
| Net income | 334,000 | 65,000 | 410,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,249,000 | 22,596,000 | 23,126,000 | 23,443,000 |
| Total capital | 25,111,000 | 24,472,000 | 25,022,000 | 25,301,000 |
| Risk-weighted assets | 147,970,000 | 152,957,000 | 151,048,000 | 147,630,000 |