Call reports 2015
ALTERRA BANK — 2015
What ALTERRA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 281,454,000 | 286,418,000 | 293,236,000 | 312,518,000 |
| Total loans | 211,626,000 | 229,439,000 | 241,282,000 | 253,963,000 |
| Allowance for loan losses | 699,000 | 1,446,000 | 1,667,000 | 2,022,000 |
| Securities available for sale | 2,398,000 | 2,375,000 | 2,391,000 | 2,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,410,000 | 238,031,000 | 243,082,000 | 262,689,000 |
| Interest-bearing deposits | 192,331,000 | 192,297,000 | 189,718,000 | 212,097,000 |
| Noninterest-bearing deposits | 41,079,000 | 45,734,000 | 53,364,000 | 50,592,000 |
| Equity capital | 36,645,000 | 37,450,000 | 38,414,000 | 39,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,839,000 | 7,168,000 | 10,401,000 | 13,874,000 |
| Interest expense | 288,000 | 588,000 | 918,000 | 1,291,000 |
| Net interest income | 3,551,000 | 6,580,000 | 9,483,000 | 12,583,000 |
| Noninterest income | 1,045,000 | 2,480,000 | 3,997,000 | 6,071,000 |
| Noninterest expense | 2,346,000 | 4,737,000 | 7,307,000 | 9,933,000 |
| Provision for loan losses | 362,000 | 1,132,000 | 1,488,000 | 2,774,000 |
| Pretax income | 1,888,000 | 3,191,000 | 4,685,000 | 5,947,000 |
| Income tax | 726,000 | 1,226,000 | 1,800,000 | 2,295,000 |
| Net income | 1,162,000 | 1,965,000 | 2,885,000 | 3,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,647,000 | 26,533,000 | 27,448,000 | 28,278,000 |
| Total capital | 26,346,000 | 27,979,000 | 29,115,000 | 30,300,000 |
| Risk-weighted assets | 238,926,000 | 256,719,000 | 264,086,000 | 265,984,000 |