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 | 107,181,000 | 113,127,000 | 117,294,000 | 117,627,000 |
| Total loans | 90,224,000 | 97,732,000 | 101,401,000 | 100,882,000 |
| Allowance for loan losses | 741,000 | 768,000 | 808,000 | 806,000 |
| Securities available for sale | 7,661,000 | 7,473,000 | 6,921,000 | 6,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,970,000 | 85,273,000 | 86,841,000 | 90,941,000 |
| Interest-bearing deposits | 76,839,000 | 73,844,000 | 76,027,000 | 78,157,000 |
| Noninterest-bearing deposits | 10,131,000 | 11,429,000 | 10,814,000 | 12,784,000 |
| Equity capital | 13,584,000 | 13,793,000 | 13,747,000 | 13,554,000 |
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 | 1,551,000 | 3,255,000 | 5,089,000 | 7,025,000 |
| Interest expense | 558,000 | 1,161,000 | 1,855,000 | 2,614,000 |
| Net interest income | 993,000 | 2,094,000 | 3,234,000 | 4,411,000 |
| Noninterest income | 100,000 | 222,000 | 359,000 | 515,000 |
| Noninterest expense | 846,000 | 1,731,000 | 2,716,000 | 3,805,000 |
| Provision for loan losses | 28,000 | 73,000 | 130,000 | 185,000 |
| Pretax income | 219,000 | 516,000 | 751,000 | 940,000 |
| Income tax | 75,000 | 181,000 | 260,000 | 321,000 |
| Net income | 144,000 | 335,000 | 491,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,689,000 | 13,856,000 | 13,823,000 | 13,676,000 |
| Total capital | 14,430,000 | 14,624,000 | 14,631,000 | 14,482,000 |
| Risk-weighted assets | 91,940,000 | 99,269,000 | 102,971,000 | 103,626,000 |