Call reports 2003
ALPHA COMMUNITY BANK — 2003
What ALPHA COMMUNITY 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 | 187,601,000 | 191,766,000 | 196,311,000 | 198,876,000 |
| Total loans | 114,693,000 | 113,799,000 | 117,011,000 | 123,529,000 |
| Allowance for loan losses | 642,000 | 453,000 | 531,000 | 585,000 |
| Securities available for sale | 49,054,000 | 57,781,000 | 59,314,000 | 59,439,000 |
| Securities held to maturity | 2,696,000 | 2,693,000 | 2,689,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,284,000 | 142,999,000 | 141,981,000 | 142,577,000 |
| Interest-bearing deposits | 125,537,000 | 127,808,000 | 129,275,000 | 132,627,000 |
| Noninterest-bearing deposits | 13,747,000 | 15,191,000 | 12,706,000 | 9,950,000 |
| Equity capital | 14,740,000 | 15,447,000 | 14,351,000 | 15,094,000 |
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 | 2,686,000 | 5,397,000 | 8,003,000 | 10,706,000 |
| Interest expense | 1,204,000 | 2,413,000 | 3,626,000 | 4,836,000 |
| Net interest income | 1,482,000 | 2,984,000 | 4,377,000 | 5,870,000 |
| Noninterest income | 569,000 | 919,000 | 1,172,000 | 1,283,000 |
| Noninterest expense | 1,102,000 | 2,362,000 | 3,442,000 | 4,452,000 |
| Provision for loan losses | 150,000 | 205,000 | 365,000 | 415,000 |
| Pretax income | 1,281,000 | 1,818,000 | 2,232,000 | 2,776,000 |
| Income tax | 319,000 | 453,000 | 544,000 | 706,000 |
| Net income | 962,000 | 1,365,000 | 1,688,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,710,000 | 14,913,000 | 14,609,000 | 15,028,000 |
| Total capital | 15,399,000 | 15,366,000 | 15,140,000 | 15,613,000 |
| Risk-weighted assets | 128,296,000 | 128,647,000 | 133,130,000 | 139,898,000 |