Call reports 2003
ALPINE BANK & TRUST CO. — 2003
What ALPINE BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 429,754,000 | 441,174,000 | 424,961,000 | 417,311,000 |
| Total loans | 288,214,000 | 302,134,000 | 288,884,000 | 275,322,000 |
| Allowance for loan losses | 3,055,000 | 3,306,000 | 3,347,000 | 3,443,000 |
| Securities available for sale | 80,582,000 | 77,242,000 | 77,863,000 | 91,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 33,000 | 0 | 0 | 0 |
| Total deposits | 379,604,000 | 389,592,000 | 373,980,000 | 367,941,000 |
| Interest-bearing deposits | 308,976,000 | 308,603,000 | 340,377,000 | 334,214,000 |
| Noninterest-bearing deposits | 70,628,000 | 80,989,000 | 33,603,000 | 33,727,000 |
| Equity capital | 33,545,000 | 34,986,000 | 35,251,000 | 35,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,418,000 | 10,915,000 | 16,140,000 | 21,086,000 |
| Interest expense | 2,166,000 | 4,279,000 | 6,233,000 | 8,097,000 |
| Net interest income | 3,252,000 | 6,636,000 | 9,907,000 | 12,989,000 |
| Noninterest income | 2,448,000 | 5,368,000 | 9,032,000 | 10,307,000 |
| Noninterest expense | 4,140,000 | 8,606,000 | 13,481,000 | 17,387,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 935,000 |
| Pretax income | 1,305,000 | 2,920,000 | 4,725,000 | 5,037,000 |
| Income tax | 413,000 | 938,000 | 1,537,000 | 1,584,000 |
| Net income | 892,000 | 1,982,000 | 3,188,000 | 3,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,266,000 | 32,173,000 | 33,182,000 | 33,252,000 |
| Total capital | 34,335,000 | 35,479,000 | 36,529,000 | 36,695,000 |
| Risk-weighted assets | 327,830,000 | 342,895,000 | 339,665,000 | 333,558,000 |