Call reports 2005
ALTERRA BANK — 2005
What ALTERRA 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 | 61,337,000 | 63,941,000 | 67,241,000 | 74,887,000 |
| Total loans | 48,980,000 | 50,909,000 | 52,383,000 | 61,649,000 |
| Allowance for loan losses | 617,000 | 642,000 | 545,000 | 568,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,376,000 | 5,331,000 | 5,305,000 | 5,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,518,000 | 51,492,000 | 55,077,000 | 57,238,000 |
| Interest-bearing deposits | 45,202,000 | 45,711,000 | 48,560,000 | 47,500,000 |
| Noninterest-bearing deposits | 4,316,000 | 5,781,000 | 6,517,000 | 9,738,000 |
| Equity capital | 8,232,000 | 8,552,000 | 8,818,000 | 9,096,000 |
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 | 846,000 | 1,838,000 | 2,877,000 | 4,061,000 |
| Interest expense | 289,000 | 638,000 | 1,025,000 | 1,500,000 |
| Net interest income | 557,000 | 1,200,000 | 1,852,000 | 2,561,000 |
| Noninterest income | 143,000 | 309,000 | 454,000 | 557,000 |
| Noninterest expense | 423,000 | 912,000 | 1,430,000 | 2,251,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 277,000 | 597,000 | 876,000 | 817,000 |
| Income tax | 0 | 0 | 0 | -350,000 |
| Net income | 277,000 | 597,000 | 876,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,011,000 | 6,359,000 | 6,627,000 | 7,258,000 |
| Total capital | 6,605,000 | 6,973,000 | 7,172,000 | 7,826,000 |
| Risk-weighted assets | 47,485,000 | 49,119,000 | 50,651,000 | 58,965,000 |