Call reports 2015
FNB OF CENTRAL ALABAMA — 2015
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 236,381,000 | 233,115,000 | 248,231,000 | 246,466,000 |
| Total loans | 137,055,000 | 138,007,000 | 149,228,000 | 159,518,000 |
| Allowance for loan losses | 2,285,000 | 2,408,000 | 2,481,000 | 2,348,000 |
| Securities available for sale | 60,100,000 | 53,296,000 | 53,297,000 | 45,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,366,000 | 200,405,000 | 214,845,000 | 213,108,000 |
| Interest-bearing deposits | 153,198,000 | 148,495,000 | 164,141,000 | 162,314,000 |
| Noninterest-bearing deposits | 50,168,000 | 51,910,000 | 50,704,000 | 50,794,000 |
| Equity capital | 26,500,000 | 26,327,000 | 26,804,000 | 26,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 3,921,000 | 5,881,000 | 8,026,000 |
| Interest expense | 206,000 | 406,000 | 609,000 | 811,000 |
| Net interest income | 1,774,000 | 3,515,000 | 5,272,000 | 7,215,000 |
| Noninterest income | 337,000 | 712,000 | 1,112,000 | 1,345,000 |
| Noninterest expense | 1,778,000 | 3,681,000 | 5,664,000 | 7,325,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 333,000 | 618,000 | 854,000 | 1,345,000 |
| Income tax | 99,000 | 170,000 | 236,000 | 326,000 |
| Net income | 234,000 | 448,000 | 618,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,124,000 | 26,420,000 | 26,609,000 | 26,883,000 |
| Total capital | 28,079,000 | 28,465,000 | 28,793,000 | 29,193,000 |
| Risk-weighted assets | 155,400,000 | 163,249,000 | 174,401,000 | 184,797,000 |
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