Call reports 2014
FNB OF CENTRAL ALABAMA — 2014
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 233,048,000 | 227,216,000 | 223,085,000 | 232,605,000 |
| Total loans | 118,520,000 | 118,815,000 | 121,095,000 | 138,623,000 |
| Allowance for loan losses | 2,613,000 | 2,714,000 | 1,925,000 | 1,951,000 |
| Securities available for sale | 64,381,000 | 65,094,000 | 66,536,000 | 51,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,530,000 | 195,262,000 | 190,342,000 | 200,120,000 |
| Interest-bearing deposits | 159,120,000 | 149,427,000 | 145,934,000 | 153,072,000 |
| Noninterest-bearing deposits | 42,410,000 | 45,835,000 | 44,408,000 | 47,048,000 |
| Equity capital | 25,004,000 | 25,502,000 | 26,230,000 | 26,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,593,000 | 5,346,000 | 7,120,000 |
| Interest expense | 241,000 | 464,000 | 681,000 | 894,000 |
| Net interest income | 1,551,000 | 3,129,000 | 4,665,000 | 6,226,000 |
| Noninterest income | 322,000 | 684,000 | 1,093,000 | 1,445,000 |
| Noninterest expense | 1,680,000 | 3,433,000 | 5,169,000 | 6,911,000 |
| Provision for loan losses | 0 | 0 | -805,000 | -805,000 |
| Pretax income | 210,000 | 399,000 | 1,410,000 | 1,666,000 |
| Income tax | 22,000 | 96,000 | 318,000 | 354,000 |
| Net income | 188,000 | 303,000 | 1,092,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,255,000 | 25,043,000 | 26,033,000 | 25,845,000 |
| Total capital | 26,924,000 | 26,713,000 | 27,365,000 | 27,702,000 |
| Risk-weighted assets | 132,421,000 | 132,439,000 | 135,699,000 | 148,473,000 |