Call reports 2001
STATE BANK OF CHESTER — 2001
What STATE BANK OF CHESTER reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 16,509,000 | 16,345,000 | 16,409,000 | 16,896,000 |
| Total loans | 10,441,000 | 10,813,000 | 11,401,000 | 10,798,000 |
| Allowance for loan losses | 115,000 | 116,000 | 112,000 | 112,000 |
| Securities available for sale | 409,000 | 208,000 | 213,000 | 211,000 |
| Securities held to maturity | 2,790,000 | 2,937,000 | 3,434,000 | 3,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,664,000 | 14,479,000 | 14,454,000 | 14,929,000 |
| Interest-bearing deposits | 13,682,000 | 13,376,000 | 13,449,000 | 13,523,000 |
| Noninterest-bearing deposits | 982,000 | 1,103,000 | 1,005,000 | 1,406,000 |
| Equity capital | 1,529,000 | 1,581,000 | 1,651,000 | 1,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 651,000 | 976,000 | 1,281,000 |
| Interest expense | 192,000 | 359,000 | 516,000 | 664,000 |
| Net interest income | 148,000 | 292,000 | 460,000 | 617,000 |
| Noninterest income | 16,000 | 30,000 | 43,000 | 60,000 |
| Noninterest expense | 83,000 | 173,000 | 263,000 | 379,000 |
| Provision for loan losses | 36,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 45,000 | 99,000 | 190,000 | 248,000 |
| Income tax | 17,000 | 18,000 | 42,000 | 79,000 |
| Net income | 28,000 | 81,000 | 148,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,523,000 | 1,575,000 | 1,642,000 | 1,663,000 |
| Total capital | 1,638,000 | 1,691,000 | 1,754,000 | 1,775,000 |
| Risk-weighted assets | 12,125,000 | 12,292,000 | 11,213,000 | 10,774,000 |