Call reports 2005
STATE BANK OF CHESTER — 2005
What STATE BANK OF CHESTER reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,755,000 | 20,453,000 | 20,560,000 | 21,351,000 |
| Total loans | 14,350,000 | 15,477,000 | 15,773,000 | 14,447,000 |
| Allowance for loan losses | 139,000 | 151,000 | 171,000 | 172,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,998,000 | 3,799,000 | 3,799,000 | 3,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,614,000 | 18,276,000 | 17,945,000 | 19,060,000 |
| Interest-bearing deposits | 17,388,000 | 17,084,000 | 16,805,000 | 17,046,000 |
| Noninterest-bearing deposits | 1,226,000 | 1,192,000 | 1,141,000 | 2,014,000 |
| Equity capital | 2,013,000 | 2,054,000 | 2,124,000 | 2,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 594,000 | 921,000 | 1,247,000 |
| Interest expense | 116,000 | 239,000 | 374,000 | 516,000 |
| Net interest income | 166,000 | 355,000 | 547,000 | 731,000 |
| Noninterest income | 13,000 | 28,000 | 42,000 | 59,000 |
| Noninterest expense | 94,000 | 197,000 | 289,000 | 427,000 |
| Provision for loan losses | 0 | 11,000 | 31,000 | 31,000 |
| Pretax income | 85,000 | 175,000 | 269,000 | 332,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 9,000 |
| Net income | 83,000 | 171,000 | 264,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,013,000 | 2,054,000 | 2,124,000 | 2,174,000 |
| Total capital | 2,152,000 | 2,205,000 | 2,295,000 | 2,346,000 |
| Risk-weighted assets | 13,680,000 | 14,556,000 | 15,080,000 | 14,598,000 |
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