Call reports 2008
CHESTER NATIONAL BANK — 2008
What CHESTER NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 77,157,000 | 71,279,000 | 67,495,000 | 66,097,000 |
| Total loans | 33,571,000 | 31,183,000 | 31,433,000 | 31,162,000 |
| Allowance for loan losses | 417,000 | 417,000 | 418,000 | 409,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,736,000 | 22,719,000 | 21,439,000 | 19,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,489,000 | 60,203,000 | 57,337,000 | 58,794,000 |
| Interest-bearing deposits | 62,102,000 | 57,216,000 | 54,659,000 | 54,683,000 |
| Noninterest-bearing deposits | 3,387,000 | 2,987,000 | 2,678,000 | 4,111,000 |
| Equity capital | 7,636,000 | 7,343,000 | 7,465,000 | 7,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,806,000 | 2,621,000 | 3,405,000 |
| Interest expense | 547,000 | 992,000 | 1,348,000 | 1,642,000 |
| Net interest income | 413,000 | 814,000 | 1,273,000 | 1,763,000 |
| Noninterest income | 63,000 | 175,000 | 242,000 | 304,000 |
| Noninterest expense | 414,000 | 834,000 | 1,237,000 | 1,647,000 |
| Provision for loan losses | 0 | 0 | 0 | -8,000 |
| Pretax income | 62,000 | 155,000 | 278,000 | 428,000 |
| Income tax | 0 | -63,000 | -63,000 | -80,000 |
| Net income | 62,000 | 218,000 | 341,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,636,000 | 7,343,000 | 7,465,000 | 7,182,000 |
| Total capital | 8,053,000 | 7,747,000 | 7,846,000 | 7,558,000 |
| Risk-weighted assets | 35,917,000 | 32,319,000 | 30,481,000 | 30,089,000 |