Call reports 2024
ALMA BANK — 2024
What ALMA BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,413,305,000 | 1,411,813,000 | 1,465,443,000 | 1,492,029,000 |
| Total loans | 1,201,773,000 | 1,218,921,000 | 1,281,055,000 | 1,295,471,000 |
| Allowance for loan losses | 22,553,000 | 22,923,000 | 23,316,000 | 23,379,000 |
| Securities available for sale | 38,719,000 | 39,317,000 | 32,271,000 | 27,293,000 |
| Securities held to maturity | 22,657,000 | 22,150,000 | 21,511,000 | 20,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,253,349,000 | 1,206,127,000 | 1,258,559,000 | 1,283,705,000 |
| Interest-bearing deposits | 988,240,000 | 940,168,000 | 976,120,000 | 996,367,000 |
| Noninterest-bearing deposits | 265,109,000 | 265,959,000 | 282,439,000 | 287,338,000 |
| Equity capital | 143,847,000 | 144,442,000 | 145,592,000 | 146,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 18,604,000 | 37,032,000 | 56,036,000 | 76,530,000 |
| Interest expense | 9,415,000 | 18,456,000 | 27,817,000 | 37,395,000 |
| Net interest income | 9,189,000 | 18,576,000 | 28,219,000 | 39,135,000 |
| Noninterest income | 1,175,000 | 1,931,000 | 2,704,000 | 3,488,000 |
| Noninterest expense | 10,095,000 | 19,227,000 | 28,221,000 | 38,453,000 |
| Provision for loan losses | 200,000 | 575,000 | 950,000 | 950,000 |
| Pretax income | 529,000 | 1,165,000 | 2,212,000 | 3,680,000 |
| Income tax | 98,000 | 243,000 | 533,000 | 655,000 |
| Net income | 431,000 | 922,000 | 1,679,000 | 3,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,124,000 | 144,614,000 | 145,427,000 | 146,807,000 |
| Total capital | 158,783,000 | 159,503,000 | 161,029,000 | 162,490,000 |
| Risk-weighted assets | 1,164,485,000 | 1,182,700,000 | 1,240,138,000 | 1,246,630,000 |