Call reports 2005
ALARION BANK — 2005
What ALARION 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 | 21,304,000 | 41,984,000 | 61,686,000 | 72,217,000 |
| Total loans | 1,184,000 | 17,855,000 | 31,506,000 | 45,415,000 |
| Allowance for loan losses | 15,000 | 133,000 | 392,000 | 564,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 2,965,000 | 3,984,000 | 10,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,676,000 | 25,613,000 | 47,559,000 | 57,089,000 |
| Interest-bearing deposits | 6,074,000 | 18,831,000 | 39,213,000 | 47,752,000 |
| Noninterest-bearing deposits | 602,000 | 6,782,000 | 8,346,000 | 9,337,000 |
| Equity capital | 14,328,000 | 14,019,000 | 13,987,000 | 13,793,000 |
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 | 116,000 | 349,000 | 919,000 | 1,780,000 |
| Interest expense | 8,000 | 100,000 | 338,000 | 725,000 |
| Net interest income | 108,000 | 249,000 | 581,000 | 1,055,000 |
| Noninterest income | 0 | 35,000 | 126,000 | 184,000 |
| Noninterest expense | 486,000 | 995,000 | 1,699,000 | 2,436,000 |
| Provision for loan losses | 15,000 | 133,000 | 392,000 | 564,000 |
| Pretax income | -393,000 | -844,000 | -1,384,000 | -1,761,000 |
| Income tax | -53,000 | -178,000 | -402,000 | -571,000 |
| Net income | -340,000 | -666,000 | -982,000 | -1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,328,000 | 14,019,000 | 13,987,000 | 13,793,000 |
| Total capital | 14,343,000 | 14,152,000 | 14,379,000 | 14,357,000 |
| Risk-weighted assets | 6,998,000 | 27,871,000 | 46,099,000 | 57,995,000 |
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