Call reports 2012
STATE BANK OF CHESTER — 2012
What STATE BANK OF CHESTER reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 25,581,000 | 25,474,000 | 26,146,000 | 27,880,000 |
| Total loans | 14,314,000 | 16,689,000 | 18,114,000 | 16,778,000 |
| Allowance for loan losses | 164,000 | 165,000 | 161,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 499,000 | 749,000 | 499,000 | 1,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,003,000 | 22,864,000 | 23,437,000 | 25,177,000 |
| Interest-bearing deposits | 19,549,000 | 20,520,000 | 21,018,000 | 21,177,000 |
| Noninterest-bearing deposits | 3,454,000 | 2,344,000 | 2,419,000 | 4,000,000 |
| Equity capital | 2,475,000 | 2,505,000 | 2,599,000 | 2,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 527,000 | 830,000 | 1,123,000 |
| Interest expense | 79,000 | 157,000 | 232,000 | 308,000 |
| Net interest income | 177,000 | 370,000 | 598,000 | 815,000 |
| Noninterest income | 22,000 | 42,000 | 58,000 | 75,000 |
| Noninterest expense | 115,000 | 235,000 | 353,000 | 566,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 177,000 | 303,000 | 324,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 11,000 |
| Net income | 82,000 | 172,000 | 296,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,475,000 | 2,505,000 | 2,599,000 | 2,601,000 |
| Total capital | 2,639,000 | 2,670,000 | 2,760,000 | 2,763,000 |
| Risk-weighted assets | 16,385,000 | 18,668,000 | 19,734,000 | 19,248,000 |