Call reports 2005
ALLIANCE COMMUNITY BANK — 2005
What ALLIANCE COMMUNITY BANK 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 | 61,275,000 | 62,521,000 | 64,130,000 | 63,837,000 |
| Total loans | 29,798,000 | 30,153,000 | 31,315,000 | 30,608,000 |
| Allowance for loan losses | 453,000 | 419,000 | 410,000 | 375,000 |
| Securities available for sale | 16,534,000 | 16,841,000 | 16,458,000 | 28,163,000 |
| Securities held to maturity | 11,216,000 | 10,583,000 | 10,566,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,949,000 | 54,391,000 | 55,827,000 | 55,658,000 |
| Interest-bearing deposits | 46,888,000 | 48,500,000 | 49,994,000 | 49,046,000 |
| Noninterest-bearing deposits | 6,061,000 | 5,891,000 | 5,833,000 | 6,612,000 |
| Equity capital | 7,816,000 | 7,927,000 | 8,052,000 | 7,965,000 |
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 | 746,000 | 1,498,000 | 2,271,000 | 3,086,000 |
| Interest expense | 207,000 | 439,000 | 713,000 | 1,014,000 |
| Net interest income | 539,000 | 1,059,000 | 1,558,000 | 2,072,000 |
| Noninterest income | 72,000 | 164,000 | 250,000 | 330,000 |
| Noninterest expense | 397,000 | 790,000 | 1,183,000 | 1,615,000 |
| Provision for loan losses | 49,000 | 49,000 | 49,000 | -24,000 |
| Pretax income | 165,000 | 386,000 | 578,000 | 818,000 |
| Income tax | 58,000 | 117,000 | 144,000 | 173,000 |
| Net income | 107,000 | 269,000 | 434,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,026,000 | 8,062,000 | 8,227,000 | 8,293,000 |
| Total capital | 8,479,000 | 8,481,000 | 8,637,000 | 8,668,000 |
| Risk-weighted assets | 62,163,000 | 63,273,000 | 64,420,000 | 64,356,000 |