Call reports 2005
FIRST ALLIANCE BANK — 2005
What FIRST ALLIANCE 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 | 92,075,000 | 94,838,000 | 101,774,000 | 105,394,000 |
| Total loans | 75,809,000 | 79,844,000 | 81,054,000 | 85,778,000 |
| Allowance for loan losses | 1,013,000 | 1,058,000 | 1,103,000 | 1,164,000 |
| Securities available for sale | 6,068,000 | 6,579,000 | 7,904,000 | 7,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,647,000 | 82,142,000 | 88,811,000 | 89,921,000 |
| Interest-bearing deposits | 73,365,000 | 74,080,000 | 80,054,000 | 80,016,000 |
| Noninterest-bearing deposits | 7,282,000 | 8,062,000 | 8,757,000 | 9,905,000 |
| Equity capital | 8,275,000 | 8,507,000 | 8,711,000 | 8,915,000 |
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 | 1,309,000 | 2,752,000 | 4,390,000 | 6,155,000 |
| Interest expense | 462,000 | 1,004,000 | 1,684,000 | 2,440,000 |
| Net interest income | 847,000 | 1,748,000 | 2,706,000 | 3,715,000 |
| Noninterest income | 73,000 | 164,000 | 233,000 | 311,000 |
| Noninterest expense | 673,000 | 1,375,000 | 2,065,000 | 2,759,000 |
| Provision for loan losses | 28,000 | 73,000 | 118,000 | 178,000 |
| Pretax income | 219,000 | 464,000 | 756,000 | 1,089,000 |
| Income tax | 76,000 | 162,000 | 266,000 | 384,000 |
| Net income | 143,000 | 302,000 | 490,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,265,000 | 8,486,000 | 8,706,000 | 8,948,000 |
| Total capital | 9,278,000 | 9,548,000 | 9,744,000 | 10,119,000 |
| Risk-weighted assets | 83,574,000 | 85,417,000 | 89,805,000 | 96,430,000 |