Call reports 2012
STATE BANK OF ALCESTER — 2012
What STATE BANK OF ALCESTER reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 109,152,000 | 108,235,000 | 110,060,000 | 108,780,000 |
| Total loans | 79,106,000 | 84,071,000 | 84,677,000 | 81,488,000 |
| Allowance for loan losses | 708,000 | 692,000 | 733,000 | 735,000 |
| Securities available for sale | 19,160,000 | 18,577,000 | 19,126,000 | 21,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,643,000 | 80,650,000 | 78,545,000 | 84,338,000 |
| Interest-bearing deposits | 72,728,000 | 71,626,000 | 68,546,000 | 71,112,000 |
| Noninterest-bearing deposits | 9,915,000 | 9,024,000 | 9,999,000 | 13,226,000 |
| Equity capital | 9,308,000 | 9,439,000 | 9,590,000 | 9,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,446,000 | 3,707,000 | 4,906,000 |
| Interest expense | 322,000 | 643,000 | 960,000 | 1,268,000 |
| Net interest income | 896,000 | 1,803,000 | 2,747,000 | 3,638,000 |
| Noninterest income | 104,000 | 207,000 | 321,000 | 426,000 |
| Noninterest expense | 704,000 | 1,436,000 | 2,146,000 | 2,871,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 73,000 |
| Pretax income | 296,000 | 574,000 | 877,000 | 1,120,000 |
| Income tax | 15,000 | 28,000 | 44,000 | 56,000 |
| Net income | 281,000 | 546,000 | 833,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,801,000 | 8,940,000 | 9,102,000 | 9,209,000 |
| Total capital | 9,509,000 | 9,632,000 | 9,835,000 | 9,944,000 |
| Risk-weighted assets | 76,022,000 | 78,724,000 | 80,030,000 | 76,913,000 |