Call reports 2004
STATE BANK OF ALCESTER — 2004
What STATE BANK OF ALCESTER 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 | 71,314,000 | 70,183,000 | 69,538,000 | 71,809,000 |
| Total loans | 42,143,000 | 44,610,000 | 44,117,000 | 45,564,000 |
| Allowance for loan losses | 745,000 | 732,000 | 728,000 | 647,000 |
| Securities available for sale | 12,149,000 | 10,751,000 | 11,356,000 | 12,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,633,000 | 49,731,000 | 48,556,000 | 50,916,000 |
| Interest-bearing deposits | 43,480,000 | 43,222,000 | 42,258,000 | 43,423,000 |
| Noninterest-bearing deposits | 7,153,000 | 6,510,000 | 6,298,000 | 7,493,000 |
| Equity capital | 7,579,000 | 7,594,000 | 7,805,000 | 7,439,000 |
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 | 885,000 | 1,770,000 | 2,690,000 | 3,593,000 |
| Interest expense | 348,000 | 693,000 | 1,053,000 | 1,426,000 |
| Net interest income | 537,000 | 1,077,000 | 1,637,000 | 2,167,000 |
| Noninterest income | 85,000 | 166,000 | 262,000 | 404,000 |
| Noninterest expense | 480,000 | 962,000 | 1,458,000 | 1,958,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 281,000 | 441,000 | 613,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 27,000 |
| Net income | 135,000 | 267,000 | 419,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,393,000 | 7,525,000 | 7,677,000 | 7,368,000 |
| Total capital | 7,971,000 | 8,120,000 | 8,258,000 | 7,974,000 |
| Risk-weighted assets | 46,096,000 | 47,441,000 | 46,355,000 | 48,465,000 |