Call reports 2015
STATE BANK OF ALCESTER — 2015
What STATE BANK OF ALCESTER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 122,139,000 | 118,346,000 | 116,357,000 | 119,900,000 |
| Total loans | 87,966,000 | 86,147,000 | 85,668,000 | 88,290,000 |
| Allowance for loan losses | 806,000 | 805,000 | 825,000 | 830,000 |
| Securities available for sale | 20,278,000 | 23,279,000 | 24,557,000 | 26,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,377,000 | 88,710,000 | 87,342,000 | 93,869,000 |
| Interest-bearing deposits | 80,095,000 | 78,108,000 | 76,933,000 | 79,660,000 |
| Noninterest-bearing deposits | 12,282,000 | 10,602,000 | 10,409,000 | 14,209,000 |
| Equity capital | 10,374,000 | 10,344,000 | 10,382,000 | 10,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,244,000 | 2,420,000 | 3,630,000 | 4,823,000 |
| Interest expense | 311,000 | 612,000 | 903,000 | 1,177,000 |
| Net interest income | 933,000 | 1,808,000 | 2,727,000 | 3,646,000 |
| Noninterest income | 98,000 | 208,000 | 350,000 | 480,000 |
| Noninterest expense | 863,000 | 1,682,000 | 2,601,000 | 3,433,000 |
| Provision for loan losses | 30,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 138,000 | 304,000 | 431,000 | 633,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 30,000 |
| Net income | 131,000 | 289,000 | 409,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,214,000 | 10,247,000 | 10,242,000 | 10,311,000 |
| Total capital | 11,020,000 | 11,052,000 | 11,067,000 | 11,141,000 |
| Risk-weighted assets | 87,951,000 | 86,134,000 | 86,011,000 | 87,450,000 |