Call reports 2007
STATE BANK OF ALCESTER — 2007
What STATE BANK OF ALCESTER reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,618,000 | 77,457,000 | 79,499,000 | 83,064,000 |
| Total loans | 51,204,000 | 53,878,000 | 54,170,000 | 55,552,000 |
| Allowance for loan losses | 532,000 | 533,000 | 532,000 | 546,000 |
| Securities available for sale | 9,448,000 | 9,284,000 | 13,693,000 | 13,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,709,000 | 56,559,000 | 57,312,000 | 61,312,000 |
| Interest-bearing deposits | 50,466,000 | 50,506,000 | 50,987,000 | 54,445,000 |
| Noninterest-bearing deposits | 6,243,000 | 6,053,000 | 6,325,000 | 6,867,000 |
| Equity capital | 7,641,000 | 7,694,000 | 7,858,000 | 7,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,288,000 | 2,567,000 | 3,888,000 | 5,232,000 |
| Interest expense | 650,000 | 1,302,000 | 1,979,000 | 2,644,000 |
| Net interest income | 638,000 | 1,265,000 | 1,909,000 | 2,588,000 |
| Noninterest income | 84,000 | 178,000 | 285,000 | 386,000 |
| Noninterest expense | 512,000 | 1,029,000 | 1,563,000 | 2,101,000 |
| Provision for loan losses | 0 | 5,000 | 10,000 | 25,000 |
| Pretax income | 210,000 | 410,000 | 622,000 | 854,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 38,000 |
| Net income | 200,000 | 390,000 | 591,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,664,000 | 7,730,000 | 7,806,000 | 7,606,000 |
| Total capital | 8,196,000 | 8,264,000 | 8,338,000 | 8,152,000 |
| Risk-weighted assets | 51,668,000 | 55,232,000 | 56,003,000 | 57,374,000 |