Call reports 2004
ALPINE BANK & TRUST CO. — 2004
What ALPINE BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 437,656,000 | 438,237,000 | 438,155,000 | 439,724,000 |
| Total loans | 280,977,000 | 279,564,000 | 282,247,000 | 286,413,000 |
| Allowance for loan losses | 3,606,000 | 3,773,000 | 3,908,000 | 3,966,000 |
| Securities available for sale | 117,827,000 | 116,640,000 | 121,025,000 | 121,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 89,000 |
| Total deposits | 386,548,000 | 389,916,000 | 385,405,000 | 394,706,000 |
| Interest-bearing deposits | 350,290,000 | 348,141,000 | 348,473,000 | 355,570,000 |
| Noninterest-bearing deposits | 36,258,000 | 41,775,000 | 36,932,000 | 39,136,000 |
| Equity capital | 36,329,000 | 34,823,000 | 36,590,000 | 36,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,988,000 | 10,193,000 | 15,383,000 | 20,828,000 |
| Interest expense | 1,835,000 | 3,679,000 | 5,600,000 | 7,547,000 |
| Net interest income | 3,153,000 | 6,514,000 | 9,783,000 | 13,281,000 |
| Noninterest income | 1,967,000 | 4,274,000 | 6,298,000 | 8,187,000 |
| Noninterest expense | 4,084,000 | 8,271,000 | 12,467,000 | 16,559,000 |
| Provision for loan losses | 195,000 | 390,000 | 540,000 | 690,000 |
| Pretax income | 841,000 | 2,122,000 | 3,069,000 | 4,221,000 |
| Income tax | 226,000 | 614,000 | 867,000 | 1,190,000 |
| Net income | 615,000 | 1,508,000 | 2,202,000 | 3,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,652,000 | 34,320,000 | 34,791,000 | 35,421,000 |
| Total capital | 37,258,000 | 38,093,000 | 38,701,000 | 39,388,000 |
| Risk-weighted assets | 341,834,000 | 344,553,000 | 341,782,000 | 353,298,000 |