Call reports 2002
STATE BANK OF ALCESTER — 2002
What STATE BANK OF ALCESTER reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 76,220,000 | 81,029,000 | 81,916,000 | 78,975,000 |
| Total loans | 44,647,000 | 47,127,000 | 49,338,000 | 46,080,000 |
| Allowance for loan losses | 635,000 | 643,000 | 658,000 | 662,000 |
| Securities available for sale | 20,717,000 | 24,878,000 | 19,272,000 | 16,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,467,000 | 62,022,000 | 60,247,000 | 57,920,000 |
| Interest-bearing deposits | 51,645,000 | 56,151,000 | 53,846,000 | 50,661,000 |
| Noninterest-bearing deposits | 5,822,000 | 5,871,000 | 6,401,000 | 7,259,000 |
| Equity capital | 8,075,000 | 8,396,000 | 8,464,000 | 7,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,363,000 | 3,580,000 | 4,711,000 |
| Interest expense | 579,000 | 1,162,000 | 1,739,000 | 2,281,000 |
| Net interest income | 590,000 | 1,201,000 | 1,841,000 | 2,430,000 |
| Noninterest income | 68,000 | 151,000 | 231,000 | 304,000 |
| Noninterest expense | 476,000 | 939,000 | 1,423,000 | 1,916,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 173,000 | 393,000 | 614,000 | 768,000 |
| Income tax | 41,000 | 100,000 | 155,000 | 202,000 |
| Net income | 132,000 | 293,000 | 459,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,942,000 | 8,102,000 | 8,268,000 | 7,550,000 |
| Total capital | 8,559,000 | 8,745,000 | 8,926,000 | 8,189,000 |
| Risk-weighted assets | 49,355,000 | 51,895,000 | 53,145,000 | 51,121,000 |