Call reports 2012
ALMA BANK — 2012
What ALMA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 752,367,000 | 851,191,000 | 863,704,000 | 880,773,000 |
| Total loans | 534,277,000 | 568,413,000 | 597,277,000 | 654,367,000 |
| Allowance for loan losses | 8,368,000 | 9,316,000 | 9,953,000 | 10,165,000 |
| Securities available for sale | 156,995,000 | 141,781,000 | 117,137,000 | 86,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,363,000 | 740,143,000 | 749,890,000 | 765,644,000 |
| Interest-bearing deposits | 551,622,000 | 625,069,000 | 628,697,000 | 646,334,000 |
| Noninterest-bearing deposits | 90,741,000 | 115,074,000 | 121,193,000 | 119,310,000 |
| Equity capital | 95,988,000 | 98,861,000 | 100,709,000 | 101,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,477,000 | 19,904,000 | 29,850,000 | 39,854,000 |
| Interest expense | 1,813,000 | 3,745,000 | 5,553,000 | 7,299,000 |
| Net interest income | 7,664,000 | 16,159,000 | 24,297,000 | 32,555,000 |
| Noninterest income | 528,000 | 1,156,000 | 1,786,000 | 2,541,000 |
| Noninterest expense | 4,980,000 | 9,911,000 | 15,432,000 | 21,649,000 |
| Provision for loan losses | 900,000 | 1,847,000 | 2,517,000 | 3,417,000 |
| Pretax income | 2,902,000 | 6,133,000 | 8,774,000 | 11,897,000 |
| Income tax | 1,357,000 | 2,719,000 | 3,830,000 | 5,225,000 |
| Net income | 1,545,000 | 3,414,000 | 4,944,000 | 6,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,279,000 | 98,149,000 | 98,842,000 | 100,737,000 |
| Total capital | 103,472,000 | 105,637,000 | 106,702,000 | 109,700,000 |
| Risk-weighted assets | 573,929,000 | 596,994,000 | 626,493,000 | 715,654,000 |