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 | 426,719,000 | 425,630,000 | 429,474,000 | 432,742,000 |
| Total loans | 230,454,000 | 229,849,000 | 238,402,000 | 243,422,000 |
| Allowance for loan losses | 1,955,000 | 1,959,000 | 2,099,000 | 2,139,000 |
| Securities available for sale | 143,631,000 | 145,032,000 | 139,950,000 | 138,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,243,000 | 349,806,000 | 342,500,000 | 348,282,000 |
| Interest-bearing deposits | 284,701,000 | 290,292,000 | 284,429,000 | 291,294,000 |
| Noninterest-bearing deposits | 54,542,000 | 59,514,000 | 58,071,000 | 56,988,000 |
| Equity capital | 38,462,000 | 39,169,000 | 38,977,000 | 39,582,000 |
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 | 5,279,000 | 10,296,000 | 15,136,000 | 20,038,000 |
| Interest expense | 1,744,000 | 3,342,000 | 4,749,000 | 6,051,000 |
| Net interest income | 3,535,000 | 6,954,000 | 10,387,000 | 13,987,000 |
| Noninterest income | 1,045,000 | 2,196,000 | 3,356,000 | 5,153,000 |
| Noninterest expense | 3,386,000 | 6,850,000 | 10,272,000 | 13,724,000 |
| Provision for loan losses | 300,000 | 525,000 | 725,000 | 875,000 |
| Pretax income | 1,099,000 | 1,980,000 | 2,955,000 | 4,751,000 |
| Income tax | 237,000 | 410,000 | 577,000 | 843,000 |
| Net income | 862,000 | 1,570,000 | 2,378,000 | 3,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,727,000 | 33,193,000 | 33,599,000 | 34,510,000 |
| Total capital | 34,682,000 | 35,157,000 | 35,698,000 | 36,649,000 |
| Risk-weighted assets | 244,965,000 | 247,066,000 | 252,558,000 | 257,221,000 |