Call reports 2003
ALLIANCE COMMUNITY BANK — 2003
What ALLIANCE COMMUNITY BANK 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 | 59,792,000 | 62,684,000 | 62,562,000 | 63,140,000 |
| Total loans | 29,820,000 | 29,954,000 | 30,541,000 | 30,559,000 |
| Allowance for loan losses | 473,000 | 425,000 | 461,000 | 451,000 |
| Securities available for sale | 15,139,000 | 14,278,000 | 15,109,000 | 15,881,000 |
| Securities held to maturity | 10,417,000 | 10,766,000 | 11,364,000 | 11,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,975,000 | 54,700,000 | 54,473,000 | 55,087,000 |
| Interest-bearing deposits | 46,612,000 | 49,312,000 | 49,339,000 | 49,488,000 |
| Noninterest-bearing deposits | 5,363,000 | 5,388,000 | 5,134,000 | 5,599,000 |
| Equity capital | 7,479,000 | 7,541,000 | 7,627,000 | 7,619,000 |
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 | 831,000 | 1,637,000 | 2,422,000 | 3,213,000 |
| Interest expense | 294,000 | 565,000 | 817,000 | 1,045,000 |
| Net interest income | 537,000 | 1,072,000 | 1,605,000 | 2,168,000 |
| Noninterest income | 115,000 | 233,000 | 334,000 | 432,000 |
| Noninterest expense | 311,000 | 632,000 | 952,000 | 1,339,000 |
| Provision for loan losses | 15,000 | 59,000 | 137,000 | 178,000 |
| Pretax income | 326,000 | 614,000 | 850,000 | 1,083,000 |
| Income tax | 77,000 | 162,000 | 238,000 | 253,000 |
| Net income | 249,000 | 452,000 | 612,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,328,000 | 7,390,000 | 7,550,000 | 7,556,000 |
| Total capital | 7,801,000 | 7,815,000 | 8,011,000 | 8,007,000 |
| Risk-weighted assets | 60,380,000 | 63,194,000 | 63,143,000 | 63,616,000 |