Call reports 2012
FNB OF CENTRAL ALABAMA — 2012
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 250,338,000 | 238,606,000 | 231,351,000 | 234,672,000 |
| Total loans | 131,899,000 | 135,324,000 | 126,701,000 | 129,373,000 |
| Allowance for loan losses | 2,428,000 | 2,363,000 | 2,212,000 | 2,420,000 |
| Securities available for sale | 63,277,000 | 53,171,000 | 55,550,000 | 51,813,000 |
| Securities held to maturity | 247,000 | 247,000 | 247,000 | 128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,329,000 | 199,171,000 | 196,109,000 | 199,855,000 |
| Interest-bearing deposits | 172,975,000 | 159,704,000 | 159,170,000 | 162,396,000 |
| Noninterest-bearing deposits | 38,354,000 | 39,467,000 | 36,939,000 | 37,459,000 |
| Equity capital | 24,936,000 | 25,418,000 | 25,974,000 | 25,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,297,000 | 4,502,000 | 6,985,000 | 9,101,000 |
| Interest expense | 507,000 | 965,000 | 1,403,000 | 1,790,000 |
| Net interest income | 1,790,000 | 3,537,000 | 5,582,000 | 7,311,000 |
| Noninterest income | 429,000 | 811,000 | 1,231,000 | 1,646,000 |
| Noninterest expense | 1,914,000 | 3,839,000 | 5,817,000 | 7,848,000 |
| Provision for loan losses | 0 | 0 | 0 | 347,000 |
| Pretax income | 468,000 | 976,000 | 1,463,000 | 1,310,000 |
| Income tax | 160,000 | 314,000 | 457,000 | 277,000 |
| Net income | 308,000 | 662,000 | 1,006,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,796,000 | 24,497,000 | 24,918,000 | 24,944,000 |
| Total capital | 25,559,000 | 26,264,000 | 26,539,000 | 26,633,000 |
| Risk-weighted assets | 140,295,000 | 140,747,000 | 132,490,000 | 134,311,000 |