Call reports 2008
STATE BANK OF CHESTER — 2008
What STATE BANK OF CHESTER reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 22,169,000 | 22,191,000 | 21,708,000 | 21,746,000 |
| Total loans | 16,599,000 | 17,309,000 | 16,852,000 | 13,950,000 |
| Allowance for loan losses | 171,000 | 176,000 | 177,000 | 136,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,780,000 | 3,280,000 | 2,780,000 | 4,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,917,000 | 19,902,000 | 19,359,000 | 19,406,000 |
| Interest-bearing deposits | 18,046,000 | 18,290,000 | 17,647,000 | 17,227,000 |
| Noninterest-bearing deposits | 1,871,000 | 1,611,000 | 1,712,000 | 2,179,000 |
| Equity capital | 2,124,000 | 2,172,000 | 2,231,000 | 2,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 347,000 | 684,000 | 1,018,000 | 1,323,000 |
| Interest expense | 187,000 | 356,000 | 516,000 | 663,000 |
| Net interest income | 160,000 | 328,000 | 502,000 | 660,000 |
| Noninterest income | 17,000 | 34,000 | 49,000 | 67,000 |
| Noninterest expense | 97,000 | 205,000 | 310,000 | 465,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 157,000 | 241,000 | 262,000 |
| Income tax | 1,000 | 4,000 | 4,000 | 9,000 |
| Net income | 79,000 | 153,000 | 237,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,124,000 | 2,172,000 | 2,231,000 | 2,232,000 |
| Total capital | 2,295,000 | 2,348,000 | 2,408,000 | 2,368,000 |
| Risk-weighted assets | 16,944,000 | 17,598,000 | 17,319,000 | 14,818,000 |