Call reports 2009
STATE BANK OF ALCESTER — 2009
What STATE BANK OF ALCESTER reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,646,000 | 97,652,000 | 96,100,000 | 94,263,000 |
| Total loans | 61,657,000 | 63,586,000 | 64,211,000 | 65,343,000 |
| Allowance for loan losses | 585,000 | 594,000 | 591,000 | 598,000 |
| Securities available for sale | 20,419,000 | 23,864,000 | 22,067,000 | 20,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,806,000 | 73,035,000 | 71,216,000 | 73,288,000 |
| Interest-bearing deposits | 60,526,000 | 64,923,000 | 64,041,000 | 63,443,000 |
| Noninterest-bearing deposits | 8,280,000 | 8,112,000 | 7,175,000 | 9,845,000 |
| Equity capital | 8,180,000 | 8,200,000 | 8,416,000 | 8,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,149,000 | 2,335,000 | 3,556,000 | 4,792,000 |
| Interest expense | 460,000 | 912,000 | 1,366,000 | 1,800,000 |
| Net interest income | 689,000 | 1,423,000 | 2,190,000 | 2,992,000 |
| Noninterest income | 79,000 | 168,000 | 265,000 | 354,000 |
| Noninterest expense | 566,000 | 1,148,000 | 1,857,000 | 2,501,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 65,000 |
| Pretax income | 192,000 | 418,000 | 558,000 | 792,000 |
| Income tax | 9,000 | 21,000 | 28,000 | 39,000 |
| Net income | 183,000 | 397,000 | 530,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,865,000 | 7,929,000 | 7,913,000 | 7,936,000 |
| Total capital | 8,450,000 | 8,523,000 | 8,504,000 | 8,534,000 |
| Risk-weighted assets | 61,129,000 | 64,568,000 | 64,979,000 | 65,847,000 |