Call reports 2017
FNB OF CENTRAL ALABAMA — 2017
What FNB OF CENTRAL ALABAMA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 276,061,000 | 274,101,000 | 264,595,000 | 275,272,000 |
| Total loans | 170,164,000 | 174,957,000 | 173,788,000 | 177,809,000 |
| Allowance for loan losses | 2,358,000 | 2,301,000 | 2,329,000 | 2,240,000 |
| Securities available for sale | 65,974,000 | 58,561,000 | 59,041,000 | 53,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,569,000 | 243,481,000 | 233,579,000 | 244,543,000 |
| Interest-bearing deposits | 184,349,000 | 176,590,000 | 167,023,000 | 182,393,000 |
| Noninterest-bearing deposits | 62,220,000 | 66,891,000 | 66,556,000 | 62,150,000 |
| Equity capital | 27,823,000 | 28,803,000 | 29,178,000 | 28,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,710,000 | 7,155,000 | 9,568,000 |
| Interest expense | 185,000 | 362,000 | 551,000 | 745,000 |
| Net interest income | 2,117,000 | 4,348,000 | 6,604,000 | 8,823,000 |
| Noninterest income | 384,000 | 781,000 | 1,195,000 | 1,555,000 |
| Noninterest expense | 1,937,000 | 3,883,000 | 5,857,000 | 7,926,000 |
| Provision for loan losses | 121,000 | 121,000 | 121,000 | 121,000 |
| Pretax income | 443,000 | 1,148,000 | 1,851,000 | 2,362,000 |
| Income tax | 96,000 | 275,000 | 394,000 | 432,000 |
| Net income | 347,000 | 873,000 | 1,457,000 | 1,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,602,000 | 29,129,000 | 29,562,000 | 29,843,000 |
| Total capital | 30,960,000 | 31,430,000 | 31,891,000 | 32,083,000 |
| Risk-weighted assets | 200,897,000 | 206,175,000 | 203,024,000 | 206,622,000 |