Call reports 2015
ALOSTAR BANK OF COMMERCE — 2015
What ALOSTAR BANK OF COMMERCE 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 | 860,312,000 | 899,186,000 | 918,986,000 | 892,968,000 |
| Total loans | 582,201,000 | 566,195,000 | 675,106,000 | 716,554,000 |
| Allowance for loan losses | 11,777,000 | 9,409,000 | 10,018,000 | 11,333,000 |
| Securities available for sale | 132,205,000 | 132,147,000 | 124,964,000 | 120,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,356,000 | 640,042,000 | 657,953,000 | 650,845,000 |
| Interest-bearing deposits | 431,117,000 | 448,307,000 | 487,255,000 | 498,721,000 |
| Noninterest-bearing deposits | 165,239,000 | 191,735,000 | 170,698,000 | 152,124,000 |
| Equity capital | 177,462,000 | 179,957,000 | 181,434,000 | 181,362,000 |
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 | 9,560,000 | 19,439,000 | 29,203,000 | 39,360,000 |
| Interest expense | 1,305,000 | 2,656,000 | 4,038,000 | 5,424,000 |
| Net interest income | 8,255,000 | 16,783,000 | 25,165,000 | 33,936,000 |
| Noninterest income | 1,043,000 | 3,760,000 | 5,621,000 | 6,892,000 |
| Noninterest expense | 8,028,000 | 15,742,000 | 22,596,000 | 30,095,000 |
| Provision for loan losses | -180,000 | -1,320,000 | 343,000 | 1,886,000 |
| Pretax income | 1,580,000 | 6,349,000 | 8,075,000 | 9,075,000 |
| Income tax | 586,000 | 2,406,000 | 3,064,000 | 3,728,000 |
| Net income | 994,000 | 3,943,000 | 5,011,000 | 5,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,000,000 | 180,018,000 | 181,126,000 | 181,441,000 |
| Total capital | 185,588,000 | 188,811,000 | 191,144,000 | 192,252,000 |
| Risk-weighted assets | 683,880,000 | 702,827,000 | 815,521,000 | 864,355,000 |