Call reports 2013
ALMA BANK — 2013
What ALMA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 888,327,000 | 928,351,000 | 963,326,000 | 950,497,000 |
| Total loans | 678,390,000 | 739,403,000 | 744,479,000 | 743,730,000 |
| Allowance for loan losses | 11,223,000 | 12,174,000 | 12,664,000 | 13,690,000 |
| Securities available for sale | 69,916,000 | 64,518,000 | 57,998,000 | 56,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 777,095,000 | 822,132,000 | 854,870,000 | 839,332,000 |
| Interest-bearing deposits | 640,274,000 | 666,457,000 | 697,998,000 | 683,336,000 |
| Noninterest-bearing deposits | 136,821,000 | 155,675,000 | 156,872,000 | 155,996,000 |
| Equity capital | 103,216,000 | 104,782,000 | 106,218,000 | 107,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,226,000 | 21,039,000 | 32,532,000 | 43,856,000 |
| Interest expense | 1,641,000 | 3,300,000 | 4,990,000 | 6,617,000 |
| Net interest income | 8,585,000 | 17,739,000 | 27,542,000 | 37,239,000 |
| Noninterest income | 638,000 | 1,370,000 | 2,250,000 | 3,372,000 |
| Noninterest expense | 5,634,000 | 11,102,000 | 17,051,000 | 24,262,000 |
| Provision for loan losses | 1,050,000 | 1,950,000 | 2,850,000 | 3,450,000 |
| Pretax income | 2,532,000 | 6,063,000 | 9,897,000 | 12,848,000 |
| Income tax | 1,119,000 | 2,690,000 | 4,394,000 | 5,790,000 |
| Net income | 1,413,000 | 3,373,000 | 5,503,000 | 7,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,188,000 | 104,184,000 | 106,346,000 | 107,930,000 |
| Total capital | 110,847,000 | 113,371,000 | 115,579,000 | 117,184,000 |
| Risk-weighted assets | 690,031,000 | 731,792,000 | 734,997,000 | 736,176,000 |