Call reports 2005
ALLIANCE BANK — 2005
What ALLIANCE BANK 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 | 54,634,000 | 65,033,000 | 59,585,000 | 59,724,000 |
| Total loans | 47,717,000 | 47,828,000 | 46,930,000 | 47,843,000 |
| Allowance for loan losses | 661,000 | 683,000 | 694,000 | 698,000 |
| Securities available for sale | 3,745,000 | 3,388,000 | 3,148,000 | 3,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,322,000 | 54,629,000 | 48,959,000 | 49,687,000 |
| Interest-bearing deposits | 34,841,000 | 41,571,000 | 36,531,000 | 39,340,000 |
| Noninterest-bearing deposits | 10,481,000 | 13,058,000 | 12,428,000 | 10,347,000 |
| Equity capital | 5,882,000 | 6,073,000 | 6,243,000 | 6,411,000 |
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 | 779,000 | 1,626,000 | 2,535,000 | 3,492,000 |
| Interest expense | 179,000 | 432,000 | 705,000 | 1,023,000 |
| Net interest income | 600,000 | 1,194,000 | 1,830,000 | 2,469,000 |
| Noninterest income | 59,000 | 138,000 | 201,000 | 256,000 |
| Noninterest expense | 399,000 | 767,000 | 1,166,000 | 1,562,000 |
| Provision for loan losses | 28,000 | 53,000 | 62,000 | 78,000 |
| Pretax income | 232,000 | 512,000 | 803,000 | 1,085,000 |
| Income tax | 91,000 | 201,000 | 314,000 | 426,000 |
| Net income | 141,000 | 311,000 | 489,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,644,000 | 5,812,000 | 5,985,000 | 6,153,000 |
| Total capital | 6,299,000 | 6,495,000 | 6,622,000 | 6,827,000 |
| Risk-weighted assets | 52,312,000 | 54,575,000 | 52,917,000 | 53,813,000 |