Call reports 2004
CHESTER NATIONAL BANK — 2004
What CHESTER NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,089,000 | 99,936,000 | 99,554,000 | 96,853,000 |
| Total loans | 30,239,000 | 30,460,000 | 31,445,000 | 31,366,000 |
| Allowance for loan losses | 468,000 | 475,000 | 469,000 | 457,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 51,347,000 | 57,738,000 | 57,174,000 | 52,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,003,000 | 85,734,000 | 84,403,000 | 83,218,000 |
| Interest-bearing deposits | 75,817,000 | 73,747,000 | 71,973,000 | 72,855,000 |
| Noninterest-bearing deposits | 15,186,000 | 11,987,000 | 12,430,000 | 10,363,000 |
| Equity capital | 8,827,000 | 9,021,000 | 8,087,000 | 8,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,005,000 | 2,035,000 | 3,087,000 | 4,134,000 |
| Interest expense | 310,000 | 613,000 | 929,000 | 1,266,000 |
| Net interest income | 695,000 | 1,422,000 | 2,158,000 | 2,868,000 |
| Noninterest income | 64,000 | 131,000 | 200,000 | 267,000 |
| Noninterest expense | 461,000 | 918,000 | 1,343,000 | 1,751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 298,000 | 635,000 | 1,015,000 | 1,384,000 |
| Income tax | 68,000 | 161,000 | 277,000 | 358,000 |
| Net income | 230,000 | 474,000 | 738,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,827,000 | 9,021,000 | 8,087,000 | 8,375,000 |
| Total capital | 9,295,000 | 9,488,000 | 8,556,000 | 8,832,000 |
| Risk-weighted assets | 37,923,000 | 37,341,000 | 37,929,000 | 37,436,000 |
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