Call reports 2005
ALLIANCE BANK & TRUST COMPANY — 2005
What ALLIANCE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,150,000 | 48,264,000 | 63,239,000 | 72,455,000 |
| Total loans | 30,586,000 | 40,624,000 | 53,926,000 | 60,845,000 |
| Allowance for loan losses | 382,000 | 503,000 | 665,000 | 752,000 |
| Securities available for sale | 1,961,000 | 2,436,000 | 2,391,000 | 2,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,113,000 | 35,361,000 | 47,229,000 | 57,391,000 |
| Interest-bearing deposits | 24,921,000 | 33,775,000 | 44,646,000 | 54,672,000 |
| Noninterest-bearing deposits | 1,192,000 | 1,586,000 | 2,583,000 | 2,719,000 |
| Equity capital | 10,721,000 | 10,662,000 | 10,625,000 | 10,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 1,139,000 | 2,062,000 | 3,266,000 |
| Interest expense | 102,000 | 349,000 | 705,000 | 1,197,000 |
| Net interest income | 333,000 | 790,000 | 1,357,000 | 2,069,000 |
| Noninterest income | 27,000 | 60,000 | 83,000 | 109,000 |
| Noninterest expense | 393,000 | 848,000 | 1,321,000 | 1,973,000 |
| Provision for loan losses | 172,000 | 298,000 | 465,000 | 554,000 |
| Pretax income | -205,000 | -296,000 | -346,000 | -349,000 |
| Income tax | -80,000 | -105,000 | -117,000 | -131,000 |
| Net income | -125,000 | -191,000 | -229,000 | -218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,736,000 | 10,670,000 | 10,638,000 | 10,659,000 |
| Total capital | 11,090,000 | 11,169,000 | 11,302,000 | 11,411,000 |
| Risk-weighted assets | 28,303,000 | 39,908,000 | 54,317,000 | 63,193,000 |
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