Call reports 2007
STATE BANK OF CHESTER — 2007
What STATE BANK OF CHESTER reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 21,666,000 | 21,162,000 | 21,095,000 | 21,674,000 |
| Total loans | 14,598,000 | 14,896,000 | 17,133,000 | 15,617,000 |
| Allowance for loan losses | 162,000 | 169,000 | 170,000 | 171,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,810,000 | 3,322,000 | 2,827,000 | 2,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,423,000 | 18,952,000 | 18,798,000 | 19,358,000 |
| Interest-bearing deposits | 17,457,000 | 17,215,000 | 17,147,000 | 15,964,000 |
| Noninterest-bearing deposits | 1,967,000 | 1,737,000 | 1,651,000 | 3,394,000 |
| Equity capital | 2,115,000 | 2,086,000 | 2,161,000 | 2,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 723,000 | 1,096,000 | 1,474,000 |
| Interest expense | 174,000 | 359,000 | 548,000 | 747,000 |
| Net interest income | 177,000 | 364,000 | 548,000 | 727,000 |
| Noninterest income | 14,000 | 28,000 | 44,000 | 58,000 |
| Noninterest expense | 99,000 | 205,000 | 303,000 | 453,000 |
| Provision for loan losses | 15,000 | 88,000 | 88,000 | 88,000 |
| Pretax income | 77,000 | 99,000 | 201,000 | 244,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 9,000 |
| Net income | 76,000 | 96,000 | 195,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,115,000 | 2,086,000 | 2,161,000 | 2,195,000 |
| Total capital | 2,277,000 | 2,255,000 | 2,331,000 | 2,366,000 |
| Risk-weighted assets | 14,673,000 | 15,167,000 | 17,344,000 | 16,208,000 |