Call reports 2003
STATE BANK OF ALCESTER — 2003
What STATE BANK OF ALCESTER 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 | 71,907,000 | 74,303,000 | 70,804,000 | 72,461,000 |
| Total loans | 45,322,000 | 45,847,000 | 45,902,000 | 44,152,000 |
| Allowance for loan losses | 755,000 | 757,000 | 754,000 | 751,000 |
| Securities available for sale | 12,547,000 | 15,436,000 | 13,795,000 | 13,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,064,000 | 52,451,000 | 50,399,000 | 52,272,000 |
| Interest-bearing deposits | 46,046,000 | 45,938,000 | 43,549,000 | 44,072,000 |
| Noninterest-bearing deposits | 6,018,000 | 6,513,000 | 6,850,000 | 8,200,000 |
| Equity capital | 7,850,000 | 7,809,000 | 7,775,000 | 7,399,000 |
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 | 1,023,000 | 2,021,000 | 2,996,000 | 3,947,000 |
| Interest expense | 469,000 | 893,000 | 1,284,000 | 1,646,000 |
| Net interest income | 554,000 | 1,128,000 | 1,712,000 | 2,301,000 |
| Noninterest income | 71,000 | 145,000 | 226,000 | 307,000 |
| Noninterest expense | 481,000 | 954,000 | 1,456,000 | 1,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 336,000 | 499,000 | 701,000 |
| Income tax | 37,000 | 220,000 | 228,000 | 256,000 |
| Net income | 107,000 | 116,000 | 271,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,657,000 | 7,576,000 | 7,641,000 | 7,257,000 |
| Total capital | 8,263,000 | 8,190,000 | 8,250,000 | 7,864,000 |
| Risk-weighted assets | 48,308,000 | 48,971,000 | 48,548,000 | 48,434,000 |