Call reports 2003
STATE BANK OF CHESTER — 2003
What STATE BANK OF CHESTER reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,735,000 | 18,832,000 | 19,033,000 | 19,614,000 |
| Total loans | 12,633,000 | 13,180,000 | 13,542,000 | 12,845,000 |
| Allowance for loan losses | 192,000 | 193,000 | 193,000 | 169,000 |
| Securities available for sale | 213,000 | 212,000 | 209,000 | 206,000 |
| Securities held to maturity | 2,232,000 | 2,030,000 | 1,979,000 | 3,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,784,000 | 16,867,000 | 16,996,000 | 17,557,000 |
| Interest-bearing deposits | 15,411,000 | 15,634,000 | 15,829,000 | 16,144,000 |
| Noninterest-bearing deposits | 1,373,000 | 1,233,000 | 1,167,000 | 1,413,000 |
| Equity capital | 1,789,000 | 1,815,000 | 1,891,000 | 1,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 547,000 | 840,000 | 1,111,000 |
| Interest expense | 119,000 | 238,000 | 348,000 | 454,000 |
| Net interest income | 151,000 | 309,000 | 492,000 | 657,000 |
| Noninterest income | 13,000 | 27,000 | 41,000 | 61,000 |
| Noninterest expense | 100,000 | 198,000 | 293,000 | 433,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 138,000 | 240,000 | 285,000 |
| Income tax | 0 | 47,000 | 0 | 8,000 |
| Net income | 64,000 | 91,000 | 240,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,790,000 | 1,803,000 | 1,882,000 | 1,915,000 |
| Total capital | 1,948,000 | 1,967,000 | 2,049,000 | 2,077,000 |
| Risk-weighted assets | 12,628,000 | 13,059,000 | 13,363,000 | 12,915,000 |