Call reports 2013
STATE BANK OF CHESTER — 2013
What STATE BANK OF CHESTER reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 28,615,000 | 27,768,000 | 28,696,000 | 28,012,000 |
| Total loans | 15,956,000 | 18,105,000 | 19,795,000 | 21,183,000 |
| Allowance for loan losses | 163,000 | 164,000 | 165,000 | 165,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,299,000 | 1,299,000 | 1,299,000 | 1,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,901,000 | 25,012,000 | 25,173,000 | 25,332,000 |
| Interest-bearing deposits | 21,808,000 | 21,937,000 | 22,031,000 | 21,883,000 |
| Noninterest-bearing deposits | 4,093,000 | 3,075,000 | 3,142,000 | 3,449,000 |
| Equity capital | 2,606,000 | 2,645,000 | 2,724,000 | 2,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 523,000 | 826,000 | 1,105,000 |
| Interest expense | 68,000 | 136,000 | 206,000 | 275,000 |
| Net interest income | 179,000 | 387,000 | 620,000 | 830,000 |
| Noninterest income | 17,000 | 31,000 | 45,000 | 61,000 |
| Noninterest expense | 114,000 | 234,000 | 370,000 | 690,000 |
| Provision for loan losses | 0 | 0 | 0 | -2,000 |
| Pretax income | 82,000 | 184,000 | 295,000 | 203,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 12,000 |
| Net income | 80,000 | 179,000 | 288,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,606,000 | 2,645,000 | 2,724,000 | 2,240,000 |
| Total capital | 2,769,000 | 2,809,000 | 2,889,000 | 2,405,000 |
| Risk-weighted assets | 18,796,000 | 20,069,000 | 21,673,000 | 22,601,000 |
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