Call reports 2021
ALMA BANK — 2021
What ALMA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,265,422,000 | 1,308,216,000 | 1,326,013,000 | 1,304,568,000 |
| Total loans | 1,066,560,000 | 1,056,951,000 | 1,059,690,000 | 1,079,756,000 |
| Allowance for loan losses | 15,021,000 | 16,002,000 | 16,999,000 | 18,149,000 |
| Securities available for sale | 26,157,000 | 23,117,000 | 20,518,000 | 18,868,000 |
| Securities held to maturity | 7,656,000 | 6,502,000 | 28,545,000 | 27,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,107,747,000 | 1,154,804,000 | 1,171,231,000 | 1,147,507,000 |
| Interest-bearing deposits | 822,627,000 | 826,410,000 | 831,405,000 | 805,798,000 |
| Noninterest-bearing deposits | 285,120,000 | 328,394,000 | 339,827,000 | 341,709,000 |
| Equity capital | 127,590,000 | 129,019,000 | 130,567,000 | 132,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,866,000 | 23,436,000 | 35,276,000 | 47,454,000 |
| Interest expense | 1,961,000 | 3,558,000 | 5,012,000 | 6,311,000 |
| Net interest income | 9,905,000 | 19,878,000 | 30,264,000 | 41,143,000 |
| Noninterest income | 454,000 | 893,000 | 1,319,000 | 1,782,000 |
| Noninterest expense | 7,891,000 | 15,448,000 | 23,233,000 | 31,734,000 |
| Provision for loan losses | 1,250,000 | 2,200,000 | 3,025,000 | 4,100,000 |
| Pretax income | 1,482,000 | 3,387,000 | 5,589,000 | 7,355,000 |
| Income tax | 405,000 | 935,000 | 1,554,000 | 1,678,000 |
| Net income | 1,077,000 | 2,452,000 | 4,035,000 | 5,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,064,000 | 128,439,000 | 130,026,000 | 132,011,000 |
| Total capital | 139,340,000 | 140,764,000 | 142,722,000 | 144,817,000 |
| Risk-weighted assets | 979,037,000 | 982,066,000 | 1,011,052,000 | 1,018,813,000 |