Call reports 2005
CHESTER NATIONAL BANK — 2005
What CHESTER NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 97,174,000 | 99,370,000 | 95,292,000 | 100,261,000 |
| Total loans | 31,037,000 | 30,911,000 | 31,723,000 | 31,258,000 |
| Allowance for loan losses | 458,000 | 459,000 | 453,000 | 452,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,862,000 | 47,852,000 | 50,042,000 | 50,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,738,000 | 85,667,000 | 81,423,000 | 86,090,000 |
| Interest-bearing deposits | 74,262,000 | 74,445,000 | 72,864,000 | 76,339,000 |
| Noninterest-bearing deposits | 9,476,000 | 11,222,000 | 8,559,000 | 9,751,000 |
| Equity capital | 8,108,000 | 8,335,000 | 8,559,000 | 8,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,021,000 | 2,067,000 | 3,142,000 | 4,228,000 |
| Interest expense | 319,000 | 675,000 | 1,079,000 | 1,534,000 |
| Net interest income | 702,000 | 1,392,000 | 2,063,000 | 2,694,000 |
| Noninterest income | 65,000 | 132,000 | 201,000 | 266,000 |
| Noninterest expense | 456,000 | 914,000 | 1,369,000 | 1,812,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 311,000 | 610,000 | 895,000 | 1,148,000 |
| Income tax | 78,000 | 150,000 | 211,000 | 259,000 |
| Net income | 233,000 | 460,000 | 684,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,108,000 | 8,335,000 | 8,559,000 | 8,764,000 |
| Total capital | 8,566,000 | 8,794,000 | 9,012,000 | 9,216,000 |
| Risk-weighted assets | 37,940,000 | 38,279,000 | 38,117,000 | 38,659,000 |
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