Call reports 2010
STATE BANK OF ALCESTER — 2010
What STATE BANK OF ALCESTER reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 95,656,000 | 93,016,000 | 99,413,000 | 101,651,000 |
| Total loans | 64,703,000 | 68,985,000 | 71,590,000 | 74,791,000 |
| Allowance for loan losses | 594,000 | 622,000 | 655,000 | 696,000 |
| Securities available for sale | 19,470,000 | 18,945,000 | 18,753,000 | 21,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,115,000 | 73,256,000 | 71,906,000 | 73,015,000 |
| Interest-bearing deposits | 67,304,000 | 65,568,000 | 63,157,000 | 63,878,000 |
| Noninterest-bearing deposits | 8,811,000 | 7,688,000 | 8,749,000 | 9,137,000 |
| Equity capital | 8,443,000 | 8,519,000 | 8,695,000 | 8,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,166,000 | 2,355,000 | 3,603,000 | 4,836,000 |
| Interest expense | 397,000 | 782,000 | 1,184,000 | 1,597,000 |
| Net interest income | 769,000 | 1,573,000 | 2,419,000 | 3,239,000 |
| Noninterest income | 85,000 | 176,000 | 266,000 | 372,000 |
| Noninterest expense | 650,000 | 1,274,000 | 1,911,000 | 2,577,000 |
| Provision for loan losses | 0 | 45,000 | 85,000 | 130,000 |
| Pretax income | 205,000 | 431,000 | 690,000 | 905,000 |
| Income tax | 11,000 | 22,000 | 34,000 | 44,000 |
| Net income | 194,000 | 409,000 | 656,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,979,000 | 8,045,000 | 8,142,000 | 8,221,000 |
| Total capital | 8,573,000 | 8,667,000 | 8,797,000 | 8,917,000 |
| Risk-weighted assets | 65,763,000 | 67,070,000 | 70,705,000 | 73,377,000 |