Call reports 2008
BANK OF ALMA — 2008
What BANK OF ALMA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 186,823,000 | 189,047,000 | 191,863,000 | 201,614,000 |
| Total loans | 153,107,000 | 152,268,000 | 153,692,000 | 166,128,000 |
| Allowance for loan losses | 1,648,000 | 1,648,000 | 1,648,000 | 1,900,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,895,000 | 24,990,000 | 29,742,000 | 25,546,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,720,000 | 125,901,000 | 122,163,000 | 129,429,000 |
| Interest-bearing deposits | 110,779,000 | 112,744,000 | 109,761,000 | 116,086,000 |
| Noninterest-bearing deposits | 11,941,000 | 13,157,000 | 12,402,000 | 13,343,000 |
| Equity capital | 57,950,000 | 59,301,000 | 60,010,000 | 60,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,282,000 | 6,357,000 | 9,473,000 | 12,266,000 |
| Interest expense | 1,013,000 | 1,862,000 | 2,678,000 | 3,388,000 |
| Net interest income | 2,269,000 | 4,495,000 | 6,795,000 | 8,878,000 |
| Noninterest income | 190,000 | 368,000 | 584,000 | 738,000 |
| Noninterest expense | 325,000 | 658,000 | 1,106,000 | 1,533,000 |
| Provision for loan losses | 0 | 0 | 1,000,000 | 1,502,000 |
| Pretax income | 2,134,000 | 4,209,000 | 5,277,000 | 5,885,000 |
| Income tax | 824,000 | 1,548,000 | 1,907,000 | 2,089,000 |
| Net income | 1,310,000 | 2,661,000 | 3,370,000 | 3,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,950,000 | 59,301,000 | 60,010,000 | 60,436,000 |
| Total capital | 59,598,000 | 60,949,000 | 61,658,000 | 62,336,000 |
| Risk-weighted assets | 156,908,000 | 156,256,000 | 161,141,000 | 173,112,000 |