Call reports 2013
STATE BANK OF ALCESTER — 2013
What STATE BANK OF ALCESTER reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 115,029,000 | 113,099,000 | 113,727,000 | 114,671,000 |
| Total loans | 81,204,000 | 86,091,000 | 89,430,000 | 87,615,000 |
| Allowance for loan losses | 746,000 | 763,000 | 773,000 | 887,000 |
| Securities available for sale | 26,247,000 | 18,426,000 | 16,956,000 | 21,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,021,000 | 85,487,000 | 85,209,000 | 84,987,000 |
| Interest-bearing deposits | 75,787,000 | 75,708,000 | 73,922,000 | 74,744,000 |
| Noninterest-bearing deposits | 11,234,000 | 9,779,000 | 11,287,000 | 10,243,000 |
| Equity capital | 9,679,000 | 9,608,000 | 9,754,000 | 9,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,366,000 | 3,568,000 | 4,767,000 |
| Interest expense | 312,000 | 613,000 | 908,000 | 1,207,000 |
| Net interest income | 906,000 | 1,753,000 | 2,660,000 | 3,560,000 |
| Noninterest income | 93,000 | 234,000 | 345,000 | 452,000 |
| Noninterest expense | 730,000 | 1,434,000 | 2,168,000 | 2,931,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 254,000 | 497,000 | 766,000 | 995,000 |
| Income tax | 13,000 | 25,000 | 38,000 | 50,000 |
| Net income | 241,000 | 472,000 | 728,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,326,000 | 9,430,000 | 9,561,000 | 9,653,000 |
| Total capital | 10,072,000 | 10,193,000 | 10,334,000 | 10,540,000 |
| Risk-weighted assets | 81,669,000 | 81,034,000 | 84,307,000 | 84,230,000 |