Call reports 2025
ALMA BANK — 2025
What ALMA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,500,290,000 | 1,512,928,000 | 1,522,884,000 | 1,548,069,000 |
| Total loans | 1,296,630,000 | 1,307,667,000 | 1,292,890,000 | 1,321,758,000 |
| Allowance for loan losses | 23,850,000 | 24,372,000 | 24,689,000 | 25,245,000 |
| Securities available for sale | 37,922,000 | 54,729,000 | 58,572,000 | 54,204,000 |
| Securities held to maturity | 20,333,000 | 19,327,000 | 18,814,000 | 18,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,290,895,000 | 1,280,379,000 | 1,285,960,000 | 1,307,279,000 |
| Interest-bearing deposits | 1,004,310,000 | 1,010,514,000 | 999,824,000 | 1,015,394,000 |
| Noninterest-bearing deposits | 286,585,000 | 269,865,000 | 286,136,000 | 291,885,000 |
| Equity capital | 147,838,000 | 149,994,000 | 152,424,000 | 155,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,205,000 | 41,634,000 | 63,506,000 | 85,545,000 |
| Interest expense | 9,412,000 | 18,647,000 | 27,654,000 | 36,179,000 |
| Net interest income | 10,793,000 | 22,987,000 | 35,852,000 | 49,366,000 |
| Noninterest income | 795,000 | 1,686,000 | 2,553,000 | 3,620,000 |
| Noninterest expense | 9,905,000 | 20,103,000 | 30,451,000 | 41,450,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,200,000 | 1,650,000 |
| Pretax income | 1,233,000 | 3,670,000 | 6,754,000 | 9,886,000 |
| Income tax | 339,000 | 1,038,000 | 1,912,000 | 2,316,000 |
| Net income | 894,000 | 2,632,000 | 4,842,000 | 7,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,752,000 | 149,663,000 | 151,873,000 | 154,686,000 |
| Total capital | 163,506,000 | 165,703,000 | 167,924,000 | 171,173,000 |
| Risk-weighted assets | 1,251,908,000 | 1,274,539,000 | 1,275,075,000 | 1,309,883,000 |