Call reports 2004
ALLIANCE BANK — 2004
What ALLIANCE 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 | 297,429,000 | 345,497,000 | 378,297,000 | 409,443,000 |
| Total loans | 212,408,000 | 232,264,000 | 254,677,000 | 305,345,000 |
| Allowance for loan losses | 2,977,000 | 2,966,000 | 3,119,000 | 3,461,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,923,000 | 60,722,000 | 77,634,000 | 72,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,898,000 | 278,254,000 | 309,211,000 | 305,089,000 |
| Interest-bearing deposits | 166,583,000 | 184,350,000 | 221,814,000 | 216,606,000 |
| Noninterest-bearing deposits | 65,315,000 | 93,904,000 | 87,397,000 | 88,483,000 |
| Equity capital | 29,228,000 | 29,976,000 | 31,421,000 | 34,938,000 |
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 | 3,982,000 | 8,289,000 | 13,340,000 | 19,253,000 |
| Interest expense | 1,008,000 | 2,034,000 | 3,232,000 | 4,587,000 |
| Net interest income | 2,974,000 | 6,255,000 | 10,108,000 | 14,666,000 |
| Noninterest income | 932,000 | 1,483,000 | 2,843,000 | 3,554,000 |
| Noninterest expense | 2,435,000 | 4,958,000 | 7,478,000 | 10,542,000 |
| Provision for loan losses | 371,000 | 351,000 | 470,000 | 741,000 |
| Pretax income | 1,100,000 | 2,429,000 | 5,003,000 | 6,937,000 |
| Income tax | 441,000 | 972,000 | 2,001,000 | 2,769,000 |
| Net income | 659,000 | 1,457,000 | 3,002,000 | 4,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,228,000 | 29,976,000 | 31,421,000 | 34,938,000 |
| Total capital | 34,733,000 | 35,499,000 | 36,637,000 | 38,416,000 |
| Risk-weighted assets | 240,323,000 | 266,828,000 | 291,027,000 | 340,682,000 |