Call reports 2013
BANK OF ALMA — 2013
What BANK OF ALMA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 196,405,000 | 192,628,000 | 197,332,000 | 193,812,000 |
| Total loans | 105,039,000 | 99,316,000 | 103,255,000 | 98,556,000 |
| Allowance for loan losses | 3,218,000 | 3,221,000 | 3,220,000 | 3,134,000 |
| Securities available for sale | 32,524,000 | 38,371,000 | 43,146,000 | 50,565,000 |
| Securities held to maturity | 46,875,000 | 43,726,000 | 43,122,000 | 34,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,743,000 | 124,686,000 | 126,736,000 | 122,649,000 |
| Interest-bearing deposits | 106,863,000 | 104,275,000 | 104,939,000 | 99,939,000 |
| Noninterest-bearing deposits | 21,880,000 | 20,411,000 | 21,797,000 | 22,710,000 |
| Equity capital | 66,646,000 | 67,134,000 | 68,253,000 | 69,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,796,000 | 5,809,000 | 7,810,000 |
| Interest expense | 121,000 | 233,000 | 336,000 | 436,000 |
| Net interest income | 1,824,000 | 3,563,000 | 5,473,000 | 7,374,000 |
| Noninterest income | 188,000 | 477,000 | 186,000 | 450,000 |
| Noninterest expense | 433,000 | 1,100,000 | 1,311,000 | 1,837,000 |
| Provision for loan losses | 88,000 | 88,000 | 97,000 | 97,000 |
| Pretax income | 1,491,000 | 2,852,000 | 4,251,000 | 5,890,000 |
| Income tax | 429,000 | 894,000 | 1,318,000 | 1,709,000 |
| Net income | 1,062,000 | 1,958,000 | 2,933,000 | 4,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,678,000 | 67,574,000 | 68,549,000 | 69,672,000 |
| Total capital | 68,227,000 | 69,050,000 | 70,068,000 | 71,131,000 |
| Risk-weighted assets | 122,299,000 | 116,197,000 | 119,806,000 | 115,025,000 |