Call reports 2005
STATE BANK OF ALCESTER — 2005
What STATE BANK OF ALCESTER 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 | 71,770,000 | 70,302,000 | 71,940,000 | 77,095,000 |
| Total loans | 44,381,000 | 46,524,000 | 48,311,000 | 48,797,000 |
| Allowance for loan losses | 640,000 | 599,000 | 591,000 | 576,000 |
| Securities available for sale | 11,789,000 | 8,969,000 | 11,107,000 | 12,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,174,000 | 51,337,000 | 50,669,000 | 56,070,000 |
| Interest-bearing deposits | 45,299,000 | 45,710,000 | 45,206,000 | 48,563,000 |
| Noninterest-bearing deposits | 5,875,000 | 5,627,000 | 5,463,000 | 7,507,000 |
| Equity capital | 7,527,000 | 7,610,000 | 7,665,000 | 7,675,000 |
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 | 956,000 | 1,967,000 | 3,042,000 | 4,153,000 |
| Interest expense | 395,000 | 829,000 | 1,325,000 | 1,872,000 |
| Net interest income | 561,000 | 1,138,000 | 1,717,000 | 2,281,000 |
| Noninterest income | 91,000 | 191,000 | 304,000 | 413,000 |
| Noninterest expense | 475,000 | 959,000 | 1,447,000 | 1,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 179,000 | 372,000 | 576,000 | 742,000 |
| Income tax | 9,000 | 18,000 | 29,000 | 10,000 |
| Net income | 170,000 | 354,000 | 547,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,538,000 | 7,597,000 | 7,665,000 | 7,725,000 |
| Total capital | 8,142,000 | 8,196,000 | 8,256,000 | 8,301,000 |
| Risk-weighted assets | 48,289,000 | 49,666,000 | 50,496,000 | 51,104,000 |