Call reports 2007
CHESTER NATIONAL BANK — 2007
What CHESTER NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 84,235,000 | 85,152,000 | 81,679,000 | 80,879,000 |
| Total loans | 33,299,000 | 31,247,000 | 31,384,000 | 31,825,000 |
| Allowance for loan losses | 445,000 | 446,000 | 449,000 | 423,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,974,000 | 38,281,000 | 34,013,000 | 31,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,659,000 | 73,676,000 | 70,840,000 | 69,119,000 |
| Interest-bearing deposits | 65,241,000 | 64,906,000 | 64,230,000 | 64,512,000 |
| Noninterest-bearing deposits | 7,418,000 | 8,770,000 | 6,610,000 | 4,607,000 |
| Equity capital | 8,542,000 | 8,419,000 | 8,216,000 | 8,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,121,000 | 3,186,000 | 4,193,000 |
| Interest expense | 548,000 | 1,129,000 | 1,730,000 | 2,323,000 |
| Net interest income | 523,000 | 992,000 | 1,456,000 | 1,870,000 |
| Noninterest income | 69,000 | 135,000 | 201,000 | 265,000 |
| Noninterest expense | 440,000 | 873,000 | 1,285,000 | 1,699,000 |
| Provision for loan losses | 0 | 0 | 0 | -25,000 |
| Pretax income | 152,000 | 254,000 | 372,000 | 461,000 |
| Income tax | -19,000 | -26,000 | -26,000 | -46,000 |
| Net income | 171,000 | 280,000 | 398,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,542,000 | 8,419,000 | 8,216,000 | 8,264,000 |
| Total capital | 8,987,000 | 8,848,000 | 8,633,000 | 8,687,000 |
| Risk-weighted assets | 35,691,000 | 34,286,000 | 33,349,000 | 35,255,000 |