Call reports 2008
FIRST ALLIANCE BANK — 2008
What FIRST ALLIANCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 125,566,000 | 129,540,000 | 132,783,000 | 134,422,000 |
| Total loans | 101,197,000 | 106,770,000 | 111,044,000 | 109,756,000 |
| Allowance for loan losses | 1,415,000 | 1,522,000 | 1,647,000 | 1,755,000 |
| Securities available for sale | 15,582,000 | 12,240,000 | 12,117,000 | 11,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,478,000 | 105,371,000 | 109,825,000 | 113,362,000 |
| Interest-bearing deposits | 94,381,000 | 97,229,000 | 100,539,000 | 103,033,000 |
| Noninterest-bearing deposits | 10,097,000 | 8,142,000 | 9,286,000 | 10,329,000 |
| Equity capital | 10,511,000 | 10,302,000 | 10,430,000 | 9,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,128,000 | 4,146,000 | 6,205,000 | 8,205,000 |
| Interest expense | 1,157,000 | 2,203,000 | 3,226,000 | 4,200,000 |
| Net interest income | 971,000 | 1,943,000 | 2,979,000 | 4,005,000 |
| Noninterest income | 105,000 | 194,000 | 285,000 | 325,000 |
| Noninterest expense | 979,000 | 1,929,000 | 2,947,000 | 4,018,000 |
| Provision for loan losses | 90,000 | 221,000 | 364,000 | 1,541,000 |
| Pretax income | 53,000 | 51,000 | 46,000 | -1,108,000 |
| Income tax | 12,000 | 3,000 | -8,000 | -459,000 |
| Net income | 41,000 | 48,000 | 54,000 | -649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,240,000 | 10,247,000 | 10,369,000 | 9,665,000 |
| Total capital | 11,651,000 | 11,724,000 | 11,849,000 | 11,165,000 |
| Risk-weighted assets | 111,896,000 | 116,995,000 | 117,673,000 | 119,738,000 |