Call reports 2004
ALPHA COMMUNITY BANK — 2004
What ALPHA COMMUNITY 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 | 212,146,000 | 204,604,000 | 216,816,000 | 221,741,000 |
| Total loans | 126,236,000 | 127,095,000 | 126,719,000 | 128,284,000 |
| Allowance for loan losses | 669,000 | 788,000 | 1,053,000 | 481,000 |
| Securities available for sale | 70,440,000 | 62,279,000 | 68,926,000 | 76,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,763,000 | 139,809,000 | 145,733,000 | 145,689,000 |
| Interest-bearing deposits | 134,012,000 | 131,445,000 | 137,247,000 | 135,116,000 |
| Noninterest-bearing deposits | 8,751,000 | 8,364,000 | 8,486,000 | 10,573,000 |
| Equity capital | 17,692,000 | 16,446,000 | 18,559,000 | 17,979,000 |
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 | 2,751,000 | 5,492,000 | 8,226,000 | 11,108,000 |
| Interest expense | 1,177,000 | 2,301,000 | 3,468,000 | 4,747,000 |
| Net interest income | 1,574,000 | 3,191,000 | 4,758,000 | 6,361,000 |
| Noninterest income | 269,000 | 618,000 | 941,000 | 1,219,000 |
| Noninterest expense | 1,126,000 | 2,211,000 | 3,358,000 | 4,591,000 |
| Provision for loan losses | 82,000 | 232,000 | 532,000 | 1,017,000 |
| Pretax income | 635,000 | 1,682,000 | 2,125,000 | 2,288,000 |
| Income tax | 0 | 25,000 | 32,000 | 35,000 |
| Net income | 635,000 | 1,657,000 | 2,093,000 | 2,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,829,000 | 17,911,000 | 18,604,000 | 18,392,000 |
| Total capital | 17,498,000 | 18,699,000 | 19,657,000 | 18,873,000 |
| Risk-weighted assets | 147,053,000 | 143,846,000 | 141,982,000 | 143,041,000 |