Call reports 2006
STATE BANK OF ALCESTER — 2006
What STATE BANK OF ALCESTER reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,602,000 | 74,708,000 | 75,209,000 | 78,429,000 |
| Total loans | 48,436,000 | 51,121,000 | 52,678,000 | 52,829,000 |
| Allowance for loan losses | 574,000 | 570,000 | 570,000 | 552,000 |
| Securities available for sale | 12,218,000 | 9,892,000 | 9,874,000 | 9,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,008,000 | 53,607,000 | 53,049,000 | 56,540,000 |
| Interest-bearing deposits | 49,730,000 | 48,639,000 | 47,586,000 | 49,792,000 |
| Noninterest-bearing deposits | 5,278,000 | 4,968,000 | 5,463,000 | 6,748,000 |
| Equity capital | 7,516,000 | 7,530,000 | 7,653,000 | 7,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,355,000 | 3,634,000 | 4,931,000 |
| Interest expense | 585,000 | 1,209,000 | 1,853,000 | 2,517,000 |
| Net interest income | 558,000 | 1,146,000 | 1,781,000 | 2,414,000 |
| Noninterest income | 91,000 | 183,000 | 284,000 | 390,000 |
| Noninterest expense | 514,000 | 1,027,000 | 1,555,000 | 2,073,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 135,000 | 304,000 | 512,000 | 733,000 |
| Income tax | 7,000 | 15,000 | 26,000 | 43,000 |
| Net income | 128,000 | 289,000 | 486,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,576,000 | 7,613,000 | 7,690,000 | 7,765,000 |
| Total capital | 8,150,000 | 8,183,000 | 8,260,000 | 8,317,000 |
| Risk-weighted assets | 50,035,000 | 52,083,000 | 53,936,000 | 54,457,000 |