Call reports 2002
STATE BANK OF CHESTER — 2002
What STATE BANK OF CHESTER reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 16,966,000 | 17,013,000 | 17,380,000 | 17,886,000 |
| Total loans | 11,238,000 | 12,324,000 | 12,353,000 | 12,373,000 |
| Allowance for loan losses | 119,000 | 147,000 | 148,000 | 197,000 |
| Securities available for sale | 209,000 | 212,000 | 215,000 | 214,000 |
| Securities held to maturity | 3,928,000 | 3,077,000 | 2,857,000 | 2,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,034,000 | 15,032,000 | 15,288,000 | 15,793,000 |
| Interest-bearing deposits | 13,976,000 | 13,889,000 | 14,237,000 | 14,608,000 |
| Noninterest-bearing deposits | 1,058,000 | 1,143,000 | 1,051,000 | 1,185,000 |
| Equity capital | 1,733,000 | 1,810,000 | 1,918,000 | 1,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 570,000 | 883,000 | 1,178,000 |
| Interest expense | 127,000 | 251,000 | 373,000 | 493,000 |
| Net interest income | 146,000 | 319,000 | 510,000 | 685,000 |
| Noninterest income | 13,000 | 28,000 | 43,000 | 61,000 |
| Noninterest expense | 90,000 | 185,000 | 285,000 | 413,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 70,000 |
| Pretax income | 69,000 | 142,000 | 248,000 | 263,000 |
| Income tax | -74,000 | -74,000 | -74,000 | -67,000 |
| Net income | 143,000 | 216,000 | 322,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,724,000 | 1,798,000 | 1,903,000 | 1,912,000 |
| Total capital | 1,843,000 | 1,945,000 | 2,051,000 | 2,061,000 |
| Risk-weighted assets | 10,950,000 | 11,969,000 | 12,274,000 | 11,877,000 |