Call reports 2005
ALLEGIANCE COMMUNITY BANK — 2005
What ALLEGIANCE COMMUNITY 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 | 71,855,000 | 72,068,000 | 69,504,000 | 64,544,000 |
| Total loans | 54,158,000 | 52,349,000 | 52,241,000 | 51,643,000 |
| Allowance for loan losses | 548,000 | 608,000 | 708,000 | 607,000 |
| Securities available for sale | 13,678,000 | 11,787,000 | 10,787,000 | 9,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,661,000 | 60,654,000 | 58,058,000 | 49,776,000 |
| Interest-bearing deposits | 52,904,000 | 50,682,000 | 46,959,000 | 39,828,000 |
| Noninterest-bearing deposits | 7,757,000 | 9,972,000 | 11,099,000 | 9,948,000 |
| Equity capital | 6,853,000 | 7,017,000 | 6,948,000 | 6,976,000 |
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 | 1,076,000 | 2,142,000 | 3,161,000 | 4,187,000 |
| Interest expense | 303,000 | 656,000 | 1,001,000 | 1,348,000 |
| Net interest income | 773,000 | 1,486,000 | 2,160,000 | 2,839,000 |
| Noninterest income | 40,000 | 74,000 | 106,000 | 145,000 |
| Noninterest expense | 563,000 | 1,217,000 | 1,861,000 | 2,609,000 |
| Provision for loan losses | 45,000 | 105,000 | 205,000 | 104,000 |
| Pretax income | 205,000 | 238,000 | 200,000 | 271,000 |
| Income tax | 51,000 | 59,000 | 50,000 | 21,000 |
| Net income | 154,000 | 179,000 | 150,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,950,000 | 7,038,000 | 7,008,000 | 7,108,000 |
| Total capital | 7,498,000 | 7,646,000 | 7,672,000 | 7,715,000 |
| Risk-weighted assets | 56,483,000 | 53,839,000 | 53,122,000 | 52,054,000 |