Call reports 2016
FNB OF CENTRAL ALABAMA — 2016
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 258,168,000 | 247,649,000 | 271,804,000 | 280,897,000 |
| Total loans | 161,819,000 | 164,864,000 | 171,660,000 | 173,317,000 |
| Allowance for loan losses | 2,355,000 | 2,370,000 | 2,382,000 | 2,241,000 |
| Securities available for sale | 55,060,000 | 48,116,000 | 49,100,000 | 54,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,595,000 | 218,146,000 | 241,896,000 | 252,074,000 |
| Interest-bearing deposits | 178,008,000 | 162,607,000 | 178,197,000 | 187,896,000 |
| Noninterest-bearing deposits | 51,587,000 | 55,539,000 | 63,699,000 | 64,178,000 |
| Equity capital | 27,109,000 | 27,786,000 | 27,948,000 | 27,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,087,000 | 4,218,000 | 6,365,000 | 8,579,000 |
| Interest expense | 219,000 | 391,000 | 571,000 | 757,000 |
| Net interest income | 1,868,000 | 3,827,000 | 5,794,000 | 7,822,000 |
| Noninterest income | 383,000 | 797,000 | 1,231,000 | 1,630,000 |
| Noninterest expense | 2,203,000 | 4,080,000 | 5,958,000 | 7,812,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 707,000 | 1,325,000 | 1,913,000 |
| Income tax | 23,000 | 176,000 | 369,000 | 356,000 |
| Net income | 124,000 | 531,000 | 956,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,010,000 | 27,412,000 | 27,717,000 | 28,170,000 |
| Total capital | 29,365,000 | 29,782,000 | 30,099,000 | 30,411,000 |
| Risk-weighted assets | 190,439,000 | 192,159,000 | 199,711,000 | 202,899,000 |