Call reports 2003
ALLIANCE BANK — 2003
What ALLIANCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,276,000 | 46,049,000 | 49,416,000 | 46,172,000 |
| Total loans | 34,929,000 | 35,350,000 | 35,986,000 | 37,919,000 |
| Allowance for loan losses | 510,000 | 517,000 | 526,000 | 525,000 |
| Securities available for sale | 3,431,000 | 3,232,000 | 3,125,000 | 3,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,797,000 | 39,532,000 | 42,855,000 | 39,719,000 |
| Interest-bearing deposits | 29,283,000 | 31,545,000 | 32,104,000 | 32,354,000 |
| Noninterest-bearing deposits | 6,514,000 | 7,987,000 | 10,751,000 | 7,365,000 |
| Equity capital | 5,357,000 | 5,455,000 | 5,547,000 | 5,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 578,000 | 1,178,000 | 1,766,000 | 2,378,000 |
| Interest expense | 170,000 | 339,000 | 496,000 | 655,000 |
| Net interest income | 408,000 | 839,000 | 1,270,000 | 1,723,000 |
| Noninterest income | 57,000 | 111,000 | 205,000 | 253,000 |
| Noninterest expense | 282,000 | 580,000 | 884,000 | 1,234,000 |
| Provision for loan losses | 37,000 | 43,000 | 56,000 | 81,000 |
| Pretax income | 147,000 | 328,000 | 536,000 | 662,000 |
| Income tax | 53,000 | 134,000 | 229,000 | 268,000 |
| Net income | 94,000 | 194,000 | 307,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,174,000 | 5,273,000 | 5,377,000 | 5,260,000 |
| Total capital | 5,662,000 | 5,774,000 | 5,893,000 | 5,797,000 |
| Risk-weighted assets | 38,978,000 | 39,990,000 | 41,188,000 | 42,924,000 |