Call reports 2004
ALLIANCE COMMUNITY BANK — 2004
What ALLIANCE COMMUNITY BANK 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 | 63,458,000 | 61,133,000 | 63,686,000 | 63,685,000 |
| Total loans | 29,627,000 | 29,974,000 | 29,664,000 | 30,332,000 |
| Allowance for loan losses | 456,000 | 480,000 | 477,000 | 460,000 |
| Securities available for sale | 17,388,000 | 15,687,000 | 17,674,000 | 17,505,000 |
| Securities held to maturity | 10,941,000 | 10,869,000 | 10,879,000 | 11,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,241,000 | 53,332,000 | 55,498,000 | 55,695,000 |
| Interest-bearing deposits | 49,438,000 | 47,506,000 | 49,467,000 | 49,327,000 |
| Noninterest-bearing deposits | 5,803,000 | 5,826,000 | 6,031,000 | 6,368,000 |
| Equity capital | 7,834,000 | 7,618,000 | 7,892,000 | 7,845,000 |
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 | 758,000 | 1,499,000 | 2,237,000 | 3,065,000 |
| Interest expense | 214,000 | 411,000 | 605,000 | 808,000 |
| Net interest income | 544,000 | 1,088,000 | 1,632,000 | 2,257,000 |
| Noninterest income | 87,000 | 206,000 | 317,000 | 332,000 |
| Noninterest expense | 332,000 | 678,000 | 1,020,000 | 1,457,000 |
| Provision for loan losses | 0 | 45,000 | 161,000 | 168,000 |
| Pretax income | 304,000 | 576,000 | 783,000 | 979,000 |
| Income tax | 70,000 | 150,000 | 249,000 | 227,000 |
| Net income | 234,000 | 426,000 | 534,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,744,000 | 7,789,000 | 7,897,000 | 7,919,000 |
| Total capital | 8,200,000 | 8,269,000 | 8,374,000 | 8,379,000 |
| Risk-weighted assets | 63,865,000 | 61,986,000 | 64,316,000 | 64,386,000 |