Call reports 2016
ALMA BANK — 2016
What ALMA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,044,646,000 | 1,066,365,000 | 1,034,456,000 | 1,036,623,000 |
| Total loans | 894,054,000 | 901,402,000 | 919,940,000 | 926,492,000 |
| Allowance for loan losses | 16,557,000 | 16,766,000 | 15,890,000 | 16,269,000 |
| Securities available for sale | 58,665,000 | 45,581,000 | 44,221,000 | 42,329,000 |
| Securities held to maturity | 984,000 | 974,000 | 964,000 | 953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 907,898,000 | 925,726,000 | 874,254,000 | 870,070,000 |
| Interest-bearing deposits | 663,864,000 | 689,761,000 | 634,735,000 | 647,176,000 |
| Noninterest-bearing deposits | 244,034,000 | 235,965,000 | 239,519,000 | 222,894,000 |
| Equity capital | 120,303,000 | 122,627,000 | 123,705,000 | 124,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,127,000 | 22,451,000 | 33,510,000 | 44,280,000 |
| Interest expense | 1,583,000 | 3,175,000 | 4,782,000 | 6,460,000 |
| Net interest income | 9,544,000 | 19,276,000 | 28,728,000 | 37,820,000 |
| Noninterest income | 1,070,000 | 4,902,000 | 5,781,000 | 6,726,000 |
| Noninterest expense | 8,121,000 | 16,970,000 | 24,606,000 | 32,119,000 |
| Provision for loan losses | 2,595,000 | 2,895,000 | 3,195,000 | 3,975,000 |
| Pretax income | -102,000 | 4,543,000 | 6,938,000 | 8,682,000 |
| Income tax | -106,000 | 1,880,000 | 2,809,000 | 3,084,000 |
| Net income | 4,000 | 2,663,000 | 4,129,000 | 5,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,959,000 | 122,174,000 | 123,217,000 | 124,258,000 |
| Total capital | 130,929,000 | 133,565,000 | 134,802,000 | 135,823,000 |
| Risk-weighted assets | 871,828,000 | 905,658,000 | 922,242,000 | 920,224,000 |