Call reports 2008
STATE BANK OF ALCESTER — 2008
What STATE BANK OF ALCESTER reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 82,866,000 | 80,238,000 | 81,579,000 | 86,490,000 |
| Total loans | 57,624,000 | 60,790,000 | 62,070,000 | 62,525,000 |
| Allowance for loan losses | 556,000 | 576,000 | 591,000 | 578,000 |
| Securities available for sale | 13,591,000 | 14,118,000 | 14,167,000 | 14,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,171,000 | 60,236,000 | 58,346,000 | 66,375,000 |
| Interest-bearing deposits | 54,906,000 | 54,038,000 | 51,874,000 | 56,638,000 |
| Noninterest-bearing deposits | 7,265,000 | 6,198,000 | 6,472,000 | 9,737,000 |
| Equity capital | 8,219,000 | 8,126,000 | 8,159,000 | 8,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,495,000 | 3,715,000 | 4,932,000 |
| Interest expense | 608,000 | 1,143,000 | 1,650,000 | 2,145,000 |
| Net interest income | 660,000 | 1,352,000 | 2,065,000 | 2,787,000 |
| Noninterest income | 97,000 | 194,000 | 298,000 | 400,000 |
| Noninterest expense | 509,000 | 1,057,000 | 1,656,000 | 2,239,000 |
| Provision for loan losses | 10,000 | 26,000 | 41,000 | 40,000 |
| Pretax income | 238,000 | 463,000 | 666,000 | 908,000 |
| Income tax | 11,000 | 23,000 | 32,000 | 41,000 |
| Net income | 227,000 | 440,000 | 634,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,833,000 | 7,955,000 | 7,925,000 | 7,832,000 |
| Total capital | 8,389,000 | 8,531,000 | 8,516,000 | 8,410,000 |
| Risk-weighted assets | 58,258,000 | 62,706,000 | 61,001,000 | 62,657,000 |