Call reports 2009
STATE BANK OF CHESTER — 2009
What STATE BANK OF CHESTER reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 22,463,000 | 22,517,000 | 22,952,000 | 23,549,000 |
| Total loans | 14,141,000 | 15,266,000 | 15,592,000 | 14,981,000 |
| Allowance for loan losses | 138,000 | 150,000 | 135,000 | 175,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,383,000 | 2,280,000 | 2,030,000 | 2,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,152,000 | 20,185,000 | 20,549,000 | 21,105,000 |
| Interest-bearing deposits | 18,010,000 | 17,999,000 | 18,386,000 | 18,525,000 |
| Noninterest-bearing deposits | 2,143,000 | 2,186,000 | 2,163,000 | 2,580,000 |
| Equity capital | 2,203,000 | 2,228,000 | 2,297,000 | 2,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 607,000 | 935,000 | 1,248,000 |
| Interest expense | 132,000 | 260,000 | 381,000 | 496,000 |
| Net interest income | 163,000 | 347,000 | 554,000 | 752,000 |
| Noninterest income | 13,000 | 28,000 | 42,000 | 59,000 |
| Noninterest expense | 104,000 | 225,000 | 350,000 | 496,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 150,000 | 246,000 | 315,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 10,000 |
| Net income | 71,000 | 147,000 | 242,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,203,000 | 2,228,000 | 2,297,000 | 2,345,000 |
| Total capital | 2,341,000 | 2,378,000 | 2,432,000 | 2,520,000 |
| Risk-weighted assets | 15,168,000 | 16,393,000 | 16,940,000 | 16,478,000 |