Call reports 2003
ALAMANCE BANK — 2003
What ALAMANCE 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 | 126,487,000 | 125,685,000 | 135,573,000 | 131,479,000 |
| Total loans | 89,984,000 | 90,969,000 | 92,506,000 | 90,623,000 |
| Allowance for loan losses | 1,595,000 | 1,516,000 | 1,502,000 | 1,475,000 |
| Securities available for sale | 22,519,000 | 16,473,000 | 31,368,000 | 31,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,639,000 | 98,595,000 | 105,839,000 | 101,097,000 |
| Interest-bearing deposits | 89,902,000 | 88,662,000 | 94,483,000 | 91,813,000 |
| Noninterest-bearing deposits | 9,737,000 | 9,933,000 | 11,356,000 | 9,284,000 |
| Equity capital | 10,368,000 | 10,616,000 | 10,197,000 | 10,597,000 |
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 | 1,746,000 | 3,404,000 | 5,163,000 | 6,921,000 |
| Interest expense | 823,000 | 1,615,000 | 2,381,000 | 3,114,000 |
| Net interest income | 923,000 | 1,789,000 | 2,782,000 | 3,807,000 |
| Noninterest income | 201,000 | 390,000 | 603,000 | 779,000 |
| Noninterest expense | 864,000 | 1,762,000 | 2,746,000 | 3,817,000 |
| Provision for loan losses | 77,000 | 110,000 | 145,000 | 165,000 |
| Pretax income | 333,000 | 522,000 | 709,000 | 819,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 333,000 | 522,000 | 709,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,165,000 | 10,354,000 | 10,540,000 | 10,650,000 |
| Total capital | 13,805,000 | 13,496,000 | 13,717,000 | 13,807,000 |
| Risk-weighted assets | 90,743,000 | 90,280,000 | 93,819,000 | 92,207,000 |