Call reports 2005
ALPINE CAPITAL BANK — 2005
What ALPINE CAPITAL 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 | 177,787,000 | 188,123,000 | 197,537,000 | 185,678,000 |
| Total loans | 86,734,000 | 81,666,000 | 84,390,000 | 91,662,000 |
| Allowance for loan losses | 1,170,000 | 1,290,000 | 1,410,000 | 1,530,000 |
| Securities available for sale | 67,694,000 | 56,316,000 | 53,501,000 | 53,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,682,000 | 160,180,000 | 169,533,000 | 157,448,000 |
| Interest-bearing deposits | 128,737,000 | 132,897,000 | 145,279,000 | 135,819,000 |
| Noninterest-bearing deposits | 21,945,000 | 27,283,000 | 24,254,000 | 21,629,000 |
| Equity capital | 18,514,000 | 19,069,000 | 19,368,000 | 19,578,000 |
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 | 1,894,000 | 4,137,000 | 6,368,000 | 8,969,000 |
| Interest expense | 749,000 | 1,777,000 | 2,824,000 | 4,076,000 |
| Net interest income | 1,145,000 | 2,360,000 | 3,544,000 | 4,893,000 |
| Noninterest income | 41,000 | 88,000 | 139,000 | 190,000 |
| Noninterest expense | 629,000 | 1,244,000 | 1,887,000 | 2,807,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 438,000 | 950,000 | 1,422,000 | 1,678,000 |
| Income tax | 20,000 | 50,000 | 98,000 | 84,000 |
| Net income | 418,000 | 900,000 | 1,324,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,650,000 | 19,133,000 | 19,556,000 | 19,783,000 |
| Total capital | 19,820,000 | 20,423,000 | 20,966,000 | 21,261,000 |
| Risk-weighted assets | 110,274,000 | 110,460,000 | 116,112,000 | 118,243,000 |