Call reports 2010
STATE BANK OF CHESTER — 2010
What STATE BANK OF CHESTER reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 23,105,000 | 22,618,000 | 22,969,000 | 23,734,000 |
| Total loans | 14,662,000 | 15,828,000 | 16,471,000 | 15,779,000 |
| Allowance for loan losses | 159,000 | 153,000 | 163,000 | 169,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,030,000 | 1,030,000 | 1,030,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,659,000 | 20,122,000 | 20,374,000 | 21,132,000 |
| Interest-bearing deposits | 18,269,000 | 17,922,000 | 18,400,000 | 18,837,000 |
| Noninterest-bearing deposits | 2,390,000 | 2,200,000 | 1,974,000 | 2,295,000 |
| Equity capital | 2,350,000 | 2,401,000 | 2,497,000 | 2,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 585,000 | 900,000 | 1,187,000 |
| Interest expense | 104,000 | 202,000 | 294,000 | 386,000 |
| Net interest income | 178,000 | 383,000 | 606,000 | 801,000 |
| Noninterest income | 13,000 | 30,000 | 48,000 | 61,000 |
| Noninterest expense | 110,000 | 230,000 | 349,000 | 538,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 183,000 | 305,000 | 324,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 10,000 |
| Net income | 80,000 | 182,000 | 304,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,350,000 | 2,401,000 | 2,497,000 | 2,507,000 |
| Total capital | 2,509,000 | 2,554,000 | 2,660,000 | 2,676,000 |
| Risk-weighted assets | 16,208,000 | 17,169,000 | 17,896,000 | 17,419,000 |
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