Call reports 2005
ALPHA COMMUNITY BANK — 2005
What ALPHA COMMUNITY 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 | 217,627,000 | 223,087,000 | 228,686,000 | 223,430,000 |
| Total loans | 125,237,000 | 126,111,000 | 130,465,000 | 126,075,000 |
| Allowance for loan losses | 605,000 | 821,000 | 935,000 | 1,324,000 |
| Securities available for sale | 75,930,000 | 81,393,000 | 80,968,000 | 80,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,462,000 | 150,870,000 | 156,799,000 | 152,385,000 |
| Interest-bearing deposits | 137,258,000 | 140,936,000 | 147,443,000 | 142,205,000 |
| Noninterest-bearing deposits | 8,204,000 | 9,934,000 | 9,356,000 | 10,180,000 |
| Equity capital | 16,877,000 | 18,052,000 | 17,598,000 | 16,024,000 |
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 | 2,990,000 | 6,018,000 | 9,187,000 | 12,402,000 |
| Interest expense | 1,332,000 | 2,749,000 | 4,280,000 | 5,844,000 |
| Net interest income | 1,658,000 | 3,269,000 | 4,907,000 | 6,558,000 |
| Noninterest income | 243,000 | 529,000 | 781,000 | 1,049,000 |
| Noninterest expense | 1,136,000 | 2,189,000 | 3,393,000 | 4,576,000 |
| Provision for loan losses | 150,000 | 360,000 | 570,000 | 1,780,000 |
| Pretax income | 606,000 | 1,240,000 | 1,716,000 | 1,242,000 |
| Income tax | 9,000 | 18,000 | 25,000 | 33,000 |
| Net income | 597,000 | 1,222,000 | 1,691,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,497,000 | 18,714,000 | 18,753,000 | 18,035,000 |
| Total capital | 19,102,000 | 19,535,000 | 19,688,000 | 19,359,000 |
| Risk-weighted assets | 140,307,000 | 143,499,000 | 149,710,000 | 148,001,000 |