Call reports 2006
ALPHA COMMUNITY BANK — 2006
What ALPHA COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 222,344,000 | 221,109,000 | 224,330,000 | 199,416,000 |
| Total loans | 127,744,000 | 126,409,000 | 125,408,000 | 117,382,000 |
| Allowance for loan losses | 1,408,000 | 1,093,000 | 1,006,000 | 2,593,000 |
| Securities available for sale | 79,086,000 | 79,523,000 | 78,153,000 | 68,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,527,000 | 151,423,000 | 153,345,000 | 147,616,000 |
| Interest-bearing deposits | 140,614,000 | 141,760,000 | 144,530,000 | 138,060,000 |
| Noninterest-bearing deposits | 8,913,000 | 9,663,000 | 8,815,000 | 9,556,000 |
| Equity capital | 15,595,000 | 15,648,000 | 16,955,000 | 12,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,252,000 | 6,683,000 | 10,069,000 | 13,277,000 |
| Interest expense | 1,598,000 | 3,300,000 | 5,117,000 | 6,998,000 |
| Net interest income | 1,654,000 | 3,383,000 | 4,952,000 | 6,279,000 |
| Noninterest income | 244,000 | 501,000 | 799,000 | 1,123,000 |
| Noninterest expense | 1,090,000 | 2,281,000 | 3,509,000 | 5,304,000 |
| Provision for loan losses | 580,000 | 680,000 | 830,000 | 5,808,000 |
| Pretax income | 228,000 | 923,000 | 1,519,000 | -4,087,000 |
| Income tax | 3,000 | 14,000 | 22,000 | -59,000 |
| Net income | 225,000 | 909,000 | 1,497,000 | -4,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,867,000 | 18,706,000 | 18,766,000 | 13,669,000 |
| Total capital | 19,275,000 | 19,799,000 | 19,772,000 | 15,334,000 |
| Risk-weighted assets | 147,395,000 | 145,561,000 | 144,837,000 | 132,311,000 |