Call reports 2009
CHESTER NATIONAL BANK — 2009
What CHESTER NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,570,000 | 65,613,000 | 68,059,000 | 71,947,000 |
| Total loans | 30,351,000 | 29,991,000 | 29,462,000 | 29,512,000 |
| Allowance for loan losses | 407,000 | 403,000 | 404,000 | 397,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,099,000 | 21,827,000 | 22,502,000 | 20,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,632,000 | 57,869,000 | 60,246,000 | 64,185,000 |
| Interest-bearing deposits | 50,989,000 | 52,794,000 | 52,961,000 | 54,508,000 |
| Noninterest-bearing deposits | 5,643,000 | 5,075,000 | 7,285,000 | 9,677,000 |
| Equity capital | 7,302,000 | 7,354,000 | 7,471,000 | 7,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,407,000 | 2,085,000 | 2,748,000 |
| Interest expense | 255,000 | 503,000 | 739,000 | 967,000 |
| Net interest income | 466,000 | 904,000 | 1,346,000 | 1,781,000 |
| Noninterest income | 65,000 | 125,000 | 198,000 | 262,000 |
| Noninterest expense | 388,000 | 803,000 | 1,175,000 | 1,622,000 |
| Provision for loan losses | 0 | 0 | 0 | -8,000 |
| Pretax income | 143,000 | 226,000 | 369,000 | 429,000 |
| Income tax | 23,000 | 54,000 | 80,000 | 176,000 |
| Net income | 120,000 | 172,000 | 289,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,302,000 | 7,354,000 | 7,471,000 | 7,435,000 |
| Total capital | 7,677,000 | 7,725,000 | 7,843,000 | 7,816,000 |
| Risk-weighted assets | 29,965,000 | 29,632,000 | 29,746,000 | 30,465,000 |