Call reports 2003
ALLIANCE BANK — 2003
What ALLIANCE 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 | 230,374,000 | 243,152,000 | 260,316,000 | 281,940,000 |
| Total loans | 155,758,000 | 178,029,000 | 187,413,000 | 203,575,000 |
| Allowance for loan losses | 2,420,000 | 2,293,000 | 2,656,000 | 3,023,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,355,000 | 36,826,000 | 32,115,000 | 36,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,338,000 | 187,470,000 | 203,561,000 | 225,027,000 |
| Interest-bearing deposits | 140,511,000 | 147,705,000 | 158,936,000 | 160,575,000 |
| Noninterest-bearing deposits | 34,827,000 | 39,765,000 | 44,625,000 | 64,452,000 |
| Equity capital | 19,385,000 | 19,928,000 | 20,604,000 | 20,972,000 |
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 | 3,630,000 | 7,312,000 | 11,358,000 | 15,461,000 |
| Interest expense | 1,100,000 | 2,209,000 | 3,307,000 | 4,313,000 |
| Net interest income | 2,530,000 | 5,103,000 | 8,051,000 | 11,148,000 |
| Noninterest income | 732,000 | 1,443,000 | 2,479,000 | 3,090,000 |
| Noninterest expense | 1,835,000 | 3,790,000 | 6,118,000 | 8,528,000 |
| Provision for loan losses | 424,000 | 772,000 | 1,119,000 | 1,567,000 |
| Pretax income | 1,003,000 | 1,984,000 | 3,293,000 | 4,143,000 |
| Income tax | 469,000 | 807,000 | 1,340,000 | 1,722,000 |
| Net income | 534,000 | 1,177,000 | 1,953,000 | 2,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,385,000 | 19,928,000 | 20,604,000 | 20,972,000 |
| Total capital | 24,005,000 | 24,724,000 | 25,688,000 | 26,325,000 |
| Risk-weighted assets | 169,272,000 | 195,341,000 | 206,647,000 | 228,033,000 |