Call reports 2015
ALMA BANK — 2015
What ALMA BANK 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 | 955,620,000 | 1,026,158,000 | 1,048,329,000 | 1,045,468,000 |
| Total loans | 794,096,000 | 838,506,000 | 869,393,000 | 877,999,000 |
| Allowance for loan losses | 13,236,000 | 13,535,000 | 14,091,000 | 14,085,000 |
| Securities available for sale | 70,053,000 | 75,686,000 | 59,093,000 | 61,201,000 |
| Securities held to maturity | 0 | 0 | 1,004,000 | 994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 837,122,000 | 906,634,000 | 911,743,000 | 908,228,000 |
| Interest-bearing deposits | 642,018,000 | 691,528,000 | 686,183,000 | 682,269,000 |
| Noninterest-bearing deposits | 195,104,000 | 215,105,000 | 225,559,000 | 225,959,000 |
| Equity capital | 116,748,000 | 117,807,000 | 119,162,000 | 120,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,521,000 | 20,956,000 | 32,103,000 | 42,686,000 |
| Interest expense | 1,357,000 | 2,906,000 | 4,528,000 | 6,182,000 |
| Net interest income | 9,164,000 | 18,050,000 | 27,575,000 | 36,504,000 |
| Noninterest income | 827,000 | 1,800,000 | 2,823,000 | 3,914,000 |
| Noninterest expense | 7,407,000 | 14,898,000 | 22,466,000 | 30,059,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,160,000 | 1,460,000 |
| Pretax income | 2,284,000 | 4,352,000 | 6,948,000 | 9,075,000 |
| Income tax | 970,000 | 1,759,000 | 2,834,000 | 3,597,000 |
| Net income | 1,314,000 | 2,593,000 | 4,114,000 | 5,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,680,000 | 117,227,000 | 118,686,000 | 119,653,000 |
| Total capital | 125,674,000 | 127,509,000 | 129,420,000 | 130,281,000 |
| Risk-weighted assets | 796,138,000 | 819,162,000 | 855,141,000 | 846,607,000 |