Call reports 2011
STATE BANK OF CHESTER — 2011
What STATE BANK OF CHESTER reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 24,105,000 | 23,562,000 | 24,166,000 | 23,627,000 |
| Total loans | 15,058,000 | 16,435,000 | 16,948,000 | 16,114,000 |
| Allowance for loan losses | 170,000 | 171,000 | 171,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 515,000 | 515,000 | 515,000 | 499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,537,000 | 21,007,000 | 21,510,000 | 20,986,000 |
| Interest-bearing deposits | 19,002,000 | 18,644,000 | 18,336,000 | 18,363,000 |
| Noninterest-bearing deposits | 2,535,000 | 2,363,000 | 3,174,000 | 2,623,000 |
| Equity capital | 2,433,000 | 2,454,000 | 2,550,000 | 2,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 562,000 | 879,000 | 1,165,000 |
| Interest expense | 89,000 | 175,000 | 263,000 | 346,000 |
| Net interest income | 180,000 | 387,000 | 616,000 | 819,000 |
| Noninterest income | 14,000 | 34,000 | 54,000 | 72,000 |
| Noninterest expense | 116,000 | 244,000 | 358,000 | 568,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 177,000 | 312,000 | 323,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 76,000 | 172,000 | 305,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,433,000 | 2,454,000 | 2,550,000 | 2,543,000 |
| Total capital | 2,603,000 | 2,625,000 | 2,721,000 | 2,705,000 |
| Risk-weighted assets | 16,724,000 | 17,922,000 | 18,258,000 | 17,431,000 |