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 | 90,561,000 | 101,122,000 | 102,830,000 | 104,105,000 |
| Total loans | 75,125,000 | 81,304,000 | 85,196,000 | 88,142,000 |
| Allowance for loan losses | 618,000 | 703,000 | 743,000 | 736,000 |
| Securities available for sale | 10,630,000 | 9,226,000 | 8,509,000 | 7,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,053,000 | 82,660,000 | 82,439,000 | 85,658,000 |
| Interest-bearing deposits | 61,800,000 | 70,351,000 | 73,296,000 | 73,055,000 |
| Noninterest-bearing deposits | 9,253,000 | 12,309,000 | 9,143,000 | 12,603,000 |
| Equity capital | 8,036,000 | 7,959,000 | 8,162,000 | 8,259,000 |
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 | 1,190,000 | 2,500,000 | 3,911,000 | 5,400,000 |
| Interest expense | 445,000 | 933,000 | 1,460,000 | 1,998,000 |
| Net interest income | 745,000 | 1,567,000 | 2,451,000 | 3,402,000 |
| Noninterest income | 65,000 | 206,000 | 319,000 | 426,000 |
| Noninterest expense | 643,000 | 1,266,000 | 1,999,000 | 2,799,000 |
| Provision for loan losses | 20,000 | 124,000 | 164,000 | 184,000 |
| Pretax income | 149,000 | 385,000 | 609,000 | 847,000 |
| Income tax | 17,000 | 136,000 | 211,000 | 296,000 |
| Net income | 132,000 | 249,000 | 398,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,959,000 | 8,076,000 | 8,195,000 | 8,312,000 |
| Total capital | 8,577,000 | 8,779,000 | 8,938,000 | 9,048,000 |
| Risk-weighted assets | 84,147,000 | 90,055,000 | 85,612,000 | 90,468,000 |