Call reports 2019
ALMA BANK — 2019
What ALMA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,162,151,000 | 1,171,722,000 | 1,190,423,000 | 1,203,630,000 |
| Total loans | 1,010,520,000 | 1,024,030,000 | 1,041,123,000 | 1,012,043,000 |
| Allowance for loan losses | 14,177,000 | 14,536,000 | 15,177,000 | 13,649,000 |
| Securities available for sale | 31,758,000 | 32,457,000 | 34,610,000 | 45,838,000 |
| Securities held to maturity | 1,998,000 | 2,497,000 | 2,473,000 | 2,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 964,410,000 | 972,930,000 | 999,286,000 | 1,011,907,000 |
| Interest-bearing deposits | 743,521,000 | 739,664,000 | 763,290,000 | 794,936,000 |
| Noninterest-bearing deposits | 220,889,000 | 233,266,000 | 235,996,000 | 216,972,000 |
| Equity capital | 118,616,000 | 120,016,000 | 121,811,000 | 123,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,748,000 | 25,608,000 | 38,758,000 | 52,258,000 |
| Interest expense | 3,667,000 | 7,557,000 | 11,696,000 | 15,743,000 |
| Net interest income | 9,081,000 | 18,051,000 | 27,062,000 | 36,515,000 |
| Noninterest income | 680,000 | 1,389,000 | 4,481,000 | 5,207,000 |
| Noninterest expense | 8,165,000 | 16,093,000 | 24,721,000 | 32,696,000 |
| Provision for loan losses | 225,000 | 575,000 | 1,600,000 | 2,500,000 |
| Pretax income | 1,371,000 | 2,772,000 | 5,260,000 | 6,564,000 |
| Income tax | 406,000 | 636,000 | 1,239,000 | 1,252,000 |
| Net income | 965,000 | 2,136,000 | 4,021,000 | 5,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,395,000 | 119,568,000 | 121,457,000 | 122,751,000 |
| Total capital | 130,947,000 | 132,260,000 | 134,296,000 | 135,216,000 |
| Risk-weighted assets | 1,002,265,000 | 1,013,263,000 | 1,024,508,000 | 995,731,000 |