Call reports 2004
FIRST ALLIANCE BANK — 2004
What FIRST ALLIANCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,617,000 | 77,402,000 | 85,545,000 | 90,825,000 |
| Total loans | 64,503,000 | 65,218,000 | 71,968,000 | 75,614,000 |
| Allowance for loan losses | 946,000 | 970,000 | 968,000 | 985,000 |
| Securities available for sale | 4,876,000 | 4,537,000 | 4,993,000 | 5,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,649,000 | 66,458,000 | 74,479,000 | 78,948,000 |
| Interest-bearing deposits | 57,706,000 | 59,792,000 | 66,790,000 | 70,628,000 |
| Noninterest-bearing deposits | 8,943,000 | 6,666,000 | 7,689,000 | 8,320,000 |
| Equity capital | 7,680,000 | 7,690,000 | 7,844,000 | 8,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,069,000 | 3,185,000 | 4,443,000 |
| Interest expense | 325,000 | 653,000 | 1,016,000 | 1,445,000 |
| Net interest income | 698,000 | 1,416,000 | 2,169,000 | 2,998,000 |
| Noninterest income | 46,000 | 104,000 | 178,000 | 236,000 |
| Noninterest expense | 633,000 | 1,270,000 | 1,903,000 | 2,505,000 |
| Provision for loan losses | 41,000 | 69,000 | 69,000 | 86,000 |
| Pretax income | 70,000 | 181,000 | 375,000 | 643,000 |
| Income tax | 27,000 | 70,000 | 147,000 | 233,000 |
| Net income | 43,000 | 111,000 | 228,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,617,000 | 7,415,000 | 7,634,000 | 7,959,000 |
| Total capital | 8,445,000 | 8,225,000 | 8,602,000 | 8,944,000 |
| Risk-weighted assets | 66,105,000 | 64,656,000 | 77,994,000 | 82,029,000 |