Call reports 2003
FIRST ALLIANCE BANK — 2003
What FIRST ALLIANCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,697,000 | 66,748,000 | 69,691,000 | 70,979,000 |
| Total loans | 52,929,000 | 57,822,000 | 60,497,000 | 62,438,000 |
| Allowance for loan losses | 689,000 | 772,000 | 828,000 | 895,000 |
| Securities available for sale | 2,285,000 | 1,841,000 | 2,090,000 | 3,110,000 |
| Securities held to maturity | 1,086,000 | 910,000 | 735,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,848,000 | 55,870,000 | 58,819,000 | 60,012,000 |
| Interest-bearing deposits | 46,845,000 | 50,303,000 | 53,046,000 | 53,588,000 |
| Noninterest-bearing deposits | 5,003,000 | 5,567,000 | 5,773,000 | 6,424,000 |
| Equity capital | 7,299,000 | 7,396,000 | 7,445,000 | 7,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,842,000 | 2,819,000 | 3,831,000 |
| Interest expense | 332,000 | 674,000 | 1,009,000 | 1,333,000 |
| Net interest income | 546,000 | 1,168,000 | 1,810,000 | 2,498,000 |
| Noninterest income | 28,000 | 77,000 | 118,000 | 155,000 |
| Noninterest expense | 467,000 | 962,000 | 1,531,000 | 2,087,000 |
| Provision for loan losses | 66,000 | 149,000 | 213,000 | 221,000 |
| Pretax income | 41,000 | 134,000 | 184,000 | 345,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | 41,000 | 134,000 | 184,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,155,000 | 7,149,000 | 7,160,000 | 7,571,000 |
| Total capital | 7,780,000 | 7,843,000 | 7,896,000 | 8,337,000 |
| Risk-weighted assets | 49,967,000 | 55,472,000 | 58,784,000 | 61,182,000 |