Call reports 2004
ALLIANCE BANK — 2004
What ALLIANCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,286,000 | 57,265,000 | 55,389,000 | 53,565,000 |
| Total loans | 42,859,000 | 42,067,000 | 43,169,000 | 46,119,000 |
| Allowance for loan losses | 584,000 | 614,000 | 608,000 | 628,000 |
| Securities available for sale | 2,668,000 | 2,625,000 | 3,072,000 | 3,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,625,000 | 48,672,000 | 47,208,000 | 45,238,000 |
| Interest-bearing deposits | 30,658,000 | 37,151,000 | 35,075,000 | 35,446,000 |
| Noninterest-bearing deposits | 8,967,000 | 11,521,000 | 12,133,000 | 9,792,000 |
| Equity capital | 5,508,000 | 5,662,000 | 5,798,000 | 5,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,292,000 | 2,006,000 | 2,761,000 |
| Interest expense | 149,000 | 317,000 | 496,000 | 672,000 |
| Net interest income | 477,000 | 975,000 | 1,510,000 | 2,089,000 |
| Noninterest income | 51,000 | 114,000 | 176,000 | 232,000 |
| Noninterest expense | 323,000 | 642,000 | 1,010,000 | 1,379,000 |
| Provision for loan losses | 59,000 | 88,000 | 88,000 | 106,000 |
| Pretax income | 146,000 | 361,000 | 595,000 | 843,000 |
| Income tax | 59,000 | 142,000 | 236,000 | 339,000 |
| Net income | 87,000 | 219,000 | 359,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,346,000 | 5,486,000 | 5,622,000 | 5,561,000 |
| Total capital | 5,933,000 | 6,094,000 | 6,235,000 | 6,195,000 |
| Risk-weighted assets | 46,871,000 | 48,578,000 | 48,962,000 | 50,634,000 |