Call reports 2004
STATE BANK OF CHESTER — 2004
What STATE BANK OF CHESTER reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,949,000 | 19,692,000 | 19,997,000 | 21,173,000 |
| Total loans | 12,381,000 | 13,711,000 | 14,135,000 | 13,884,000 |
| Allowance for loan losses | 150,000 | 145,000 | 154,000 | 139,000 |
| Securities available for sale | 204,000 | 201,000 | 0 | 0 |
| Securities held to maturity | 4,577,000 | 4,577,000 | 4,575,000 | 3,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,924,000 | 17,657,000 | 17,857,000 | 19,029,000 |
| Interest-bearing deposits | 16,652,000 | 16,395,000 | 16,602,000 | 17,562,000 |
| Noninterest-bearing deposits | 1,272,000 | 1,262,000 | 1,255,000 | 1,467,000 |
| Equity capital | 1,889,000 | 1,910,000 | 1,984,000 | 2,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 260,000 | 530,000 | 821,000 | 1,112,000 |
| Interest expense | 103,000 | 204,000 | 309,000 | 421,000 |
| Net interest income | 157,000 | 326,000 | 512,000 | 691,000 |
| Noninterest income | 14,000 | 28,000 | 47,000 | 62,000 |
| Noninterest expense | 100,000 | 201,000 | 297,000 | 441,000 |
| Provision for loan losses | 0 | 9,000 | 18,000 | 27,000 |
| Pretax income | 71,000 | 144,000 | 244,000 | 285,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 8,000 |
| Net income | 70,000 | 141,000 | 239,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,885,000 | 1,909,000 | 1,984,000 | 2,020,000 |
| Total capital | 2,035,000 | 2,054,000 | 2,138,000 | 2,159,000 |
| Risk-weighted assets | 12,601,000 | 13,756,000 | 13,933,000 | 13,852,000 |