Call reports 2020
ALMA BANK — 2020
What ALMA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,249,983,000 | 1,274,356,000 | 1,228,001,000 | 1,242,890,000 |
| Total loans | 1,017,338,000 | 1,057,185,000 | 1,048,593,000 | 1,042,084,000 |
| Allowance for loan losses | 13,636,000 | 14,081,000 | 14,129,000 | 14,835,000 |
| Securities available for sale | 42,184,000 | 35,330,000 | 37,452,000 | 36,432,000 |
| Securities held to maturity | 2,426,000 | 2,412,000 | 7,680,000 | 7,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,048,737,000 | 1,097,411,000 | 1,058,853,000 | 1,065,379,000 |
| Interest-bearing deposits | 826,944,000 | 806,874,000 | 786,727,000 | 805,776,000 |
| Noninterest-bearing deposits | 221,793,000 | 290,536,000 | 272,127,000 | 259,602,000 |
| Equity capital | 123,930,000 | 124,745,000 | 125,587,000 | 126,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 12,417,000 | 24,502,000 | 36,862,000 | 48,862,000 |
| Interest expense | 3,832,000 | 7,325,000 | 10,331,000 | 12,675,000 |
| Net interest income | 8,585,000 | 17,177,000 | 26,531,000 | 36,187,000 |
| Noninterest income | 692,000 | 1,041,000 | 1,339,000 | 1,847,000 |
| Noninterest expense | 7,831,000 | 15,302,000 | 23,074,000 | 30,710,000 |
| Provision for loan losses | 860,000 | 1,535,000 | 2,185,000 | 3,245,000 |
| Pretax income | 586,000 | 1,381,000 | 2,611,000 | 4,079,000 |
| Income tax | 42,000 | 68,000 | 439,000 | 860,000 |
| Net income | 544,000 | 1,313,000 | 2,172,000 | 3,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,299,000 | 124,070,000 | 124,933,000 | 125,982,000 |
| Total capital | 135,827,000 | 136,652,000 | 137,357,000 | 138,406,000 |
| Risk-weighted assets | 1,000,893,000 | 1,004,799,000 | 991,934,000 | 991,222,000 |