Call reports 2005
ALAMANCE BANK — 2005
What ALAMANCE 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 | 150,860,000 | 150,263,000 | 144,302,000 | 160,323,000 |
| Total loans | 102,296,000 | 100,567,000 | 97,906,000 | 96,349,000 |
| Allowance for loan losses | 1,647,000 | 1,696,000 | 1,349,000 | 1,554,000 |
| Securities available for sale | 33,495,000 | 35,534,000 | 33,902,000 | 32,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,502,000 | 112,370,000 | 107,220,000 | 111,422,000 |
| Interest-bearing deposits | 101,177,000 | 101,867,000 | 96,568,000 | 97,851,000 |
| Noninterest-bearing deposits | 12,325,000 | 10,503,000 | 10,652,000 | 13,571,000 |
| Equity capital | 10,556,000 | 11,242,000 | 10,486,000 | 23,446,000 |
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 | 2,010,000 | 4,100,000 | 6,300,000 | 1,558,000 |
| Interest expense | 850,000 | 1,789,000 | 2,758,000 | 694,000 |
| Net interest income | 1,160,000 | 2,311,000 | 3,542,000 | 864,000 |
| Noninterest income | 188,000 | 458,000 | 732,000 | 110,000 |
| Noninterest expense | 1,076,000 | 2,172,000 | 3,207,000 | 699,000 |
| Provision for loan losses | 45,000 | 90,000 | 1,421,000 | 100,000 |
| Pretax income | 267,000 | 547,000 | -314,000 | 175,000 |
| Income tax | 18,000 | 23,000 | -220,000 | 49,000 |
| Net income | 249,000 | 524,000 | -94,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,217,000 | 11,493,000 | 10,874,000 | 7,306,000 |
| Total capital | 14,051,000 | 13,830,000 | 13,168,000 | 9,612,000 |
| Risk-weighted assets | 107,141,000 | 106,948,000 | 103,448,000 | 104,273,000 |