Call reports 2007
ALPHA COMMUNITY BANK — 2007
What ALPHA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 183,227,000 | 177,378,000 | 175,488,000 | 167,567,000 |
| Total loans | 109,803,000 | 105,688,000 | 103,752,000 | 99,938,000 |
| Allowance for loan losses | 2,759,000 | 3,128,000 | 2,409,000 | 1,653,000 |
| Securities available for sale | 55,982,000 | 52,748,000 | 51,573,000 | 49,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,885,000 | 139,384,000 | 142,017,000 | 134,556,000 |
| Interest-bearing deposits | 137,548,000 | 131,601,000 | 133,067,000 | 126,620,000 |
| Noninterest-bearing deposits | 7,337,000 | 7,783,000 | 8,950,000 | 7,936,000 |
| Equity capital | 12,639,000 | 12,210,000 | 12,886,000 | 12,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,967,000 | 5,883,000 | 8,570,000 | 11,047,000 |
| Interest expense | 1,633,000 | 3,159,000 | 4,643,000 | 5,957,000 |
| Net interest income | 1,334,000 | 2,724,000 | 3,927,000 | 5,090,000 |
| Noninterest income | 238,000 | 378,000 | 593,000 | 752,000 |
| Noninterest expense | 1,224,000 | 2,302,000 | 3,319,000 | 4,075,000 |
| Provision for loan losses | 131,000 | 578,000 | 1,063,000 | 2,528,000 |
| Pretax income | -43,000 | -38,000 | -122,000 | -1,021,000 |
| Income tax | -1,000 | -1,000 | -2,000 | -16,000 |
| Net income | -42,000 | -37,000 | -120,000 | -1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,625,000 | 13,631,000 | 13,548,000 | 12,665,000 |
| Total capital | 15,169,000 | 15,136,000 | 15,035,000 | 14,097,000 |
| Risk-weighted assets | 122,311,000 | 118,806,000 | 118,073,000 | 114,312,000 |