Call reports 2009
ALMA BANK — 2009
What ALMA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 241,526,000 | 271,760,000 | 330,086,000 | 360,635,000 |
| Total loans | 149,174,000 | 181,808,000 | 208,540,000 | 223,181,000 |
| Allowance for loan losses | 1,560,000 | 1,985,000 | 2,450,000 | 2,962,000 |
| Securities available for sale | 53,381,000 | 69,291,000 | 78,829,000 | 94,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,301,000 | 203,782,000 | 261,060,000 | 280,365,000 |
| Interest-bearing deposits | 150,208,000 | 169,490,000 | 219,216,000 | 234,996,000 |
| Noninterest-bearing deposits | 34,093,000 | 34,292,000 | 41,844,000 | 45,369,000 |
| Equity capital | 46,227,000 | 46,518,000 | 47,111,000 | 48,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,017,000 | 6,517,000 | 10,620,000 | 14,595,000 |
| Interest expense | 1,198,000 | 2,508,000 | 3,864,000 | 5,210,000 |
| Net interest income | 1,819,000 | 4,009,000 | 6,756,000 | 9,385,000 |
| Noninterest income | 111,000 | 235,000 | 407,000 | 525,000 |
| Noninterest expense | 1,595,000 | 3,407,000 | 5,554,000 | 8,022,000 |
| Provision for loan losses | 310,000 | 735,000 | 1,210,000 | 1,735,000 |
| Pretax income | 121,000 | 328,000 | 710,000 | 672,000 |
| Income tax | 0 | 30,000 | 70,000 | -1,501,000 |
| Net income | 121,000 | 298,000 | 640,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,129,000 | 46,306,000 | 46,648,000 | 48,181,000 |
| Total capital | 47,689,000 | 48,291,000 | 49,098,000 | 51,143,000 |
| Risk-weighted assets | 169,838,000 | 200,937,000 | 218,037,000 | 239,018,000 |
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