Call reports 2002
ALPINE BANK & TRUST CO. — 2002
What ALPINE BANK & TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 386,421,000 | 395,223,000 | 413,304,000 | 420,511,000 |
| Total loans | 241,649,000 | 259,804,000 | 273,646,000 | 284,320,000 |
| Allowance for loan losses | 2,886,000 | 2,915,000 | 2,848,000 | 2,808,000 |
| Securities available for sale | 72,024,000 | 88,069,000 | 75,126,000 | 76,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 27,000 | 30,000 | 30,000 | 34,000 |
| Total deposits | 343,497,000 | 350,432,000 | 366,107,000 | 372,749,000 |
| Interest-bearing deposits | 285,734,000 | 289,409,000 | 297,525,000 | 304,041,000 |
| Noninterest-bearing deposits | 57,763,000 | 61,023,000 | 68,582,000 | 68,708,000 |
| Equity capital | 28,967,000 | 30,428,000 | 31,575,000 | 32,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,238,000 | 10,730,000 | 16,371,000 | 22,018,000 |
| Interest expense | 2,320,000 | 4,560,000 | 6,887,000 | 9,171,000 |
| Net interest income | 2,918,000 | 6,170,000 | 9,484,000 | 12,847,000 |
| Noninterest income | 2,262,000 | 3,994,000 | 5,616,000 | 9,584,000 |
| Noninterest expense | 3,632,000 | 7,354,000 | 11,444,000 | 17,050,000 |
| Provision for loan losses | 135,000 | 270,000 | 460,000 | 760,000 |
| Pretax income | 1,398,000 | 2,525,000 | 3,588,000 | 5,016,000 |
| Income tax | 464,000 | 782,000 | 1,088,000 | 1,546,000 |
| Net income | 934,000 | 1,743,000 | 2,500,000 | 3,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,922,000 | 28,752,000 | 28,901,000 | 30,546,000 |
| Total capital | 30,808,000 | 31,667,000 | 31,749,000 | 33,367,000 |
| Risk-weighted assets | 292,598,000 | 316,285,000 | 307,899,000 | 326,219,000 |