Call reports 2003
CHESTER NATIONAL BANK — 2003
What CHESTER NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 101,618,000 | 103,936,000 | 95,940,000 | 95,643,000 |
| Total loans | 27,240,000 | 28,359,000 | 28,947,000 | 29,048,000 |
| Allowance for loan losses | 471,000 | 468,000 | 468,000 | 467,000 |
| Securities available for sale | 898,000 | 0 | 0 | 0 |
| Securities held to maturity | 54,395,000 | 45,794,000 | 55,730,000 | 53,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,903,000 | 89,442,000 | 81,394,000 | 81,717,000 |
| Interest-bearing deposits | 81,656,000 | 81,396,000 | 74,601,000 | 74,193,000 |
| Noninterest-bearing deposits | 5,247,000 | 8,046,000 | 6,793,000 | 7,524,000 |
| Equity capital | 9,629,000 | 9,347,000 | 9,379,000 | 8,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,080,000 | 2,172,000 | 3,200,000 | 4,215,000 |
| Interest expense | 508,000 | 968,000 | 1,361,000 | 1,701,000 |
| Net interest income | 572,000 | 1,204,000 | 1,839,000 | 2,514,000 |
| Noninterest income | 42,000 | 112,000 | 180,000 | 246,000 |
| Noninterest expense | 437,000 | 897,000 | 1,339,000 | 1,791,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 196,000 | 438,000 | 699,000 | 988,000 |
| Income tax | 40,000 | 103,000 | 176,000 | 233,000 |
| Net income | 156,000 | 335,000 | 523,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,630,000 | 9,347,000 | 9,379,000 | 8,755,000 |
| Total capital | 10,087,000 | 9,815,000 | 9,825,000 | 9,202,000 |
| Risk-weighted assets | 36,548,000 | 37,743,000 | 35,664,000 | 35,777,000 |
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