Call reports 2005
ALLIANCE BANK — 2005
What ALLIANCE 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 | 470,280,000 | 537,608,000 | 582,785,000 | 674,286,000 |
| Total loans | 365,989,000 | 437,580,000 | 466,562,000 | 551,477,000 |
| Allowance for loan losses | 3,861,000 | 4,507,000 | 5,258,000 | 6,041,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 70,706,000 | 67,827,000 | 67,767,000 | 75,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,900,000 | 429,908,000 | 500,372,000 | 531,454,000 |
| Interest-bearing deposits | 271,186,000 | 314,588,000 | 376,556,000 | 424,904,000 |
| Noninterest-bearing deposits | 109,714,000 | 115,320,000 | 123,816,000 | 106,550,000 |
| Equity capital | 46,267,000 | 47,822,000 | 49,350,000 | 62,414,000 |
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 | 6,905,000 | 15,229,000 | 25,672,000 | 37,675,000 |
| Interest expense | 1,874,000 | 4,273,000 | 7,551,000 | 11,482,000 |
| Net interest income | 5,031,000 | 10,956,000 | 18,121,000 | 26,193,000 |
| Noninterest income | 799,000 | 1,379,000 | 2,210,000 | 3,035,000 |
| Noninterest expense | 3,212,000 | 6,622,000 | 10,774,000 | 15,600,000 |
| Provision for loan losses | 375,000 | 983,000 | 1,734,000 | 2,517,000 |
| Pretax income | 2,243,000 | 4,730,000 | 7,823,000 | 11,111,000 |
| Income tax | 914,000 | 1,846,000 | 3,011,000 | 4,277,000 |
| Net income | 1,329,000 | 2,884,000 | 4,812,000 | 6,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,267,000 | 47,822,000 | 48,802,000 | 61,781,000 |
| Total capital | 50,145,000 | 52,340,000 | 54,070,000 | 67,832,000 |
| Risk-weighted assets | 409,734,000 | 475,451,000 | 494,202,000 | 577,703,000 |