Call reports 2009
BANK OF ALMA — 2009
What BANK OF ALMA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 191,567,000 | 198,167,000 | 197,170,000 | 197,653,000 |
| Total loans | 166,864,000 | 172,671,000 | 172,998,000 | 165,747,000 |
| Allowance for loan losses | 1,901,000 | 2,028,000 | 2,028,000 | 3,578,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,545,000 | 19,168,000 | 18,462,000 | 20,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,530,000 | 117,529,000 | 118,621,000 | 134,602,000 |
| Interest-bearing deposits | 105,715,000 | 103,260,000 | 104,442,000 | 118,015,000 |
| Noninterest-bearing deposits | 12,815,000 | 14,269,000 | 14,179,000 | 16,587,000 |
| Equity capital | 61,760,000 | 62,741,000 | 63,360,000 | 62,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,886,000 | 5,560,000 | 8,378,000 | 11,271,000 |
| Interest expense | 597,000 | 1,140,000 | 1,658,000 | 2,112,000 |
| Net interest income | 2,289,000 | 4,420,000 | 6,720,000 | 9,159,000 |
| Noninterest income | 178,000 | 333,000 | 517,000 | 671,000 |
| Noninterest expense | 330,000 | 713,000 | 1,183,000 | 1,745,000 |
| Provision for loan losses | 99,000 | 450,000 | 926,000 | 3,918,000 |
| Pretax income | 2,047,000 | 3,600,000 | 5,166,000 | 4,209,000 |
| Income tax | 723,000 | 1,295,000 | 1,857,000 | 2,213,000 |
| Net income | 1,324,000 | 2,305,000 | 3,309,000 | 1,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,760,000 | 62,741,000 | 63,360,000 | 62,047,000 |
| Total capital | 63,661,000 | 64,769,000 | 65,388,000 | 64,077,000 |
| Risk-weighted assets | 171,517,000 | 200,517,000 | 165,126,000 | 160,837,000 |