Call reports 2005
ALPINE BANK & TRUST CO. — 2005
What ALPINE BANK & TRUST CO. 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 | 451,477,000 | 468,918,000 | 468,843,000 | 472,257,000 |
| Total loans | 298,469,000 | 307,408,000 | 305,889,000 | 311,715,000 |
| Allowance for loan losses | 4,041,000 | 4,035,000 | 4,088,000 | 4,052,000 |
| Securities available for sale | 118,233,000 | 125,737,000 | 122,918,000 | 120,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 100,000 | 101,000 | 109,000 | 116,000 |
| Total deposits | 407,760,000 | 422,745,000 | 421,758,000 | 425,530,000 |
| Interest-bearing deposits | 364,205,000 | 376,233,000 | 376,740,000 | 375,900,000 |
| Noninterest-bearing deposits | 43,555,000 | 46,512,000 | 45,018,000 | 49,630,000 |
| Equity capital | 36,236,000 | 37,888,000 | 38,591,000 | 38,782,000 |
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 | 5,627,000 | 11,766,000 | 18,125,000 | 24,767,000 |
| Interest expense | 1,822,000 | 3,701,000 | 5,779,000 | 7,987,000 |
| Net interest income | 3,805,000 | 8,065,000 | 12,346,000 | 16,780,000 |
| Noninterest income | 1,863,000 | 3,866,000 | 5,860,000 | 7,881,000 |
| Noninterest expense | 4,085,000 | 8,365,000 | 12,731,000 | 16,885,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 525,000 |
| Pretax income | 1,483,000 | 3,381,000 | 5,215,000 | 7,216,000 |
| Income tax | 441,000 | 1,039,000 | 1,613,000 | 2,203,000 |
| Net income | 1,042,000 | 2,342,000 | 3,602,000 | 5,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,940,000 | 37,030,000 | 38,068,000 | 39,011,000 |
| Total capital | 39,981,000 | 41,070,000 | 42,156,000 | 43,063,000 |
| Risk-weighted assets | 365,559,000 | 376,290,000 | 375,303,000 | 361,347,000 |