Call reports 2013
FNB OF CENTRAL ALABAMA — 2013
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 236,105,000 | 227,300,000 | 223,017,000 | 229,624,000 |
| Total loans | 121,184,000 | 117,925,000 | 121,886,000 | 121,798,000 |
| Allowance for loan losses | 2,513,000 | 2,594,000 | 2,926,000 | 2,513,000 |
| Securities available for sale | 67,435,000 | 67,594,000 | 59,380,000 | 62,139,000 |
| Securities held to maturity | 128,000 | 23,000 | 23,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,328,000 | 194,938,000 | 190,538,000 | 197,505,000 |
| Interest-bearing deposits | 161,231,000 | 153,955,000 | 149,030,000 | 157,423,000 |
| Noninterest-bearing deposits | 41,097,000 | 40,983,000 | 41,508,000 | 40,082,000 |
| Equity capital | 25,865,000 | 24,578,000 | 24,595,000 | 24,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,948,000 | 3,864,000 | 5,883,000 | 7,865,000 |
| Interest expense | 367,000 | 713,000 | 1,032,000 | 1,304,000 |
| Net interest income | 1,581,000 | 3,151,000 | 4,851,000 | 6,561,000 |
| Noninterest income | 417,000 | 814,000 | 1,206,000 | 1,552,000 |
| Noninterest expense | 1,849,000 | 3,656,000 | 5,818,000 | 7,675,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 314,000 | 248,000 | 458,000 |
| Income tax | 38,000 | 65,000 | 23,000 | -64,000 |
| Net income | 111,000 | 249,000 | 225,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,032,000 | 25,168,000 | 24,412,000 | 24,689,000 |
| Total capital | 26,628,000 | 26,823,000 | 26,093,000 | 26,406,000 |
| Risk-weighted assets | 126,863,000 | 131,424,000 | 133,126,000 | 136,562,000 |