Call reports 2004
ALAMANCE BANK — 2004
What ALAMANCE 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 | 135,690,000 | 143,698,000 | 145,848,000 | 147,055,000 |
| Total loans | 94,409,000 | 96,512,000 | 99,846,000 | 97,858,000 |
| Allowance for loan losses | 1,472,000 | 1,562,000 | 1,691,000 | 1,546,000 |
| Securities available for sale | 32,186,000 | 34,548,000 | 32,212,000 | 35,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,317,000 | 105,875,000 | 107,040,000 | 106,790,000 |
| Interest-bearing deposits | 93,836,000 | 95,602,000 | 97,568,000 | 96,690,000 |
| Noninterest-bearing deposits | 9,481,000 | 10,273,000 | 9,472,000 | 10,100,000 |
| Equity capital | 11,124,000 | 10,011,000 | 10,957,000 | 10,750,000 |
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 | 1,735,000 | 3,516,000 | 5,360,000 | 7,308,000 |
| Interest expense | 686,000 | 1,398,000 | 2,165,000 | 2,968,000 |
| Net interest income | 1,049,000 | 2,118,000 | 3,195,000 | 4,340,000 |
| Noninterest income | 205,000 | 484,000 | 708,000 | 981,000 |
| Noninterest expense | 1,078,000 | 2,126,000 | 3,295,000 | 4,552,000 |
| Provision for loan losses | 25,000 | 169,000 | 459,000 | 574,000 |
| Pretax income | 179,000 | 335,000 | 271,000 | 317,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 335,000 | 271,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,829,000 | 10,985,000 | 10,922,000 | 10,968,000 |
| Total capital | 14,036,000 | 13,759,000 | 13,701,000 | 13,746,000 |
| Risk-weighted assets | 96,636,000 | 101,654,000 | 101,923,000 | 101,773,000 |