Call reports 2023
ALMA BANK — 2023
What ALMA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,442,769,000 | 1,428,615,000 | 1,409,860,000 | 1,443,421,000 |
| Total loans | 1,180,432,000 | 1,203,118,000 | 1,203,346,000 | 1,233,462,000 |
| Allowance for loan losses | 21,103,000 | 21,738,000 | 22,369,000 | 22,801,000 |
| Securities available for sale | 61,163,000 | 53,483,000 | 44,313,000 | 40,672,000 |
| Securities held to maturity | 24,112,000 | 23,612,000 | 23,061,000 | 23,095,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,285,440,000 | 1,271,469,000 | 1,253,394,000 | 1,230,853,000 |
| Interest-bearing deposits | 988,334,000 | 979,133,000 | 971,380,000 | 982,304,000 |
| Noninterest-bearing deposits | 297,106,000 | 292,336,000 | 282,014,000 | 248,549,000 |
| Equity capital | 139,978,000 | 140,807,000 | 141,478,000 | 143,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 15,398,000 | 32,301,000 | 50,018,000 | 68,950,000 |
| Interest expense | 5,140,000 | 11,973,000 | 19,753,000 | 28,601,000 |
| Net interest income | 10,258,000 | 20,328,000 | 30,265,000 | 40,349,000 |
| Noninterest income | 678,000 | 1,507,000 | 2,184,000 | 2,812,000 |
| Noninterest expense | 8,807,000 | 18,101,000 | 27,258,000 | 36,586,000 |
| Provision for loan losses | 750,000 | 1,350,000 | 1,950,000 | 2,350,000 |
| Pretax income | 379,000 | 1,384,000 | 2,241,000 | 3,225,000 |
| Income tax | 65,000 | 271,000 | 490,000 | 429,000 |
| Net income | 314,000 | 1,113,000 | 1,751,000 | 2,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,774,000 | 141,581,000 | 142,219,000 | 143,693,000 |
| Total capital | 155,406,000 | 156,517,000 | 157,134,000 | 158,920,000 |
| Risk-weighted assets | 1,163,729,000 | 1,187,685,000 | 1,185,405,000 | 1,210,227,000 |