Call reports 2014
ALMA BANK — 2014
What ALMA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 988,021,000 | 947,941,000 | 969,988,000 | 940,129,000 |
| Total loans | 723,625,000 | 722,440,000 | 744,625,000 | 782,526,000 |
| Allowance for loan losses | 13,700,000 | 13,320,000 | 13,321,000 | 12,823,000 |
| Securities available for sale | 73,350,000 | 96,321,000 | 95,762,000 | 72,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 876,349,000 | 833,757,000 | 855,562,000 | 822,466,000 |
| Interest-bearing deposits | 701,062,000 | 655,291,000 | 671,380,000 | 646,289,000 |
| Noninterest-bearing deposits | 175,287,000 | 178,465,000 | 184,182,000 | 176,177,000 |
| Equity capital | 109,848,000 | 111,874,000 | 113,328,000 | 115,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,113,000 | 21,348,000 | 31,738,000 | 42,177,000 |
| Interest expense | 1,591,000 | 3,175,000 | 4,570,000 | 5,941,000 |
| Net interest income | 9,522,000 | 18,173,000 | 27,168,000 | 36,236,000 |
| Noninterest income | 801,000 | 1,924,000 | 3,437,000 | 4,259,000 |
| Noninterest expense | 7,079,000 | 14,424,000 | 22,121,000 | 29,853,000 |
| Provision for loan losses | 0 | -400,000 | -400,000 | -600,000 |
| Pretax income | 3,244,000 | 6,073,000 | 8,884,000 | 11,408,000 |
| Income tax | 1,454,000 | 2,695,000 | 3,834,000 | 4,878,000 |
| Net income | 1,790,000 | 3,378,000 | 5,050,000 | 6,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,744,000 | 111,348,000 | 113,040,000 | 114,537,000 |
| Total capital | 118,838,000 | 120,435,000 | 122,302,000 | 124,265,000 |
| Risk-weighted assets | 722,676,000 | 722,520,000 | 736,729,000 | 774,881,000 |
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