Call reports 2010
CHESTER NATIONAL BANK — 2010
What CHESTER NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 75,092,000 | 77,123,000 | 79,633,000 | 83,526,000 |
| Total loans | 30,422,000 | 30,752,000 | 29,819,000 | 28,771,000 |
| Allowance for loan losses | 398,000 | 398,000 | 398,000 | 388,000 |
| Securities available for sale | 0 | 21,173,000 | 23,542,000 | 25,432,000 |
| Securities held to maturity | 21,997,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,213,000 | 69,065,000 | 71,448,000 | 75,918,000 |
| Interest-bearing deposits | 56,288,000 | 57,137,000 | 56,235,000 | 59,188,000 |
| Noninterest-bearing deposits | 10,925,000 | 11,928,000 | 15,213,000 | 16,730,000 |
| Equity capital | 7,517,000 | 7,928,000 | 8,035,000 | 7,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,322,000 | 1,981,000 | 2,632,000 |
| Interest expense | 210,000 | 410,000 | 605,000 | 796,000 |
| Net interest income | 448,000 | 912,000 | 1,376,000 | 1,836,000 |
| Noninterest income | 56,000 | 121,000 | 176,000 | 242,000 |
| Noninterest expense | 402,000 | 815,000 | 1,238,000 | 1,667,000 |
| Provision for loan losses | 0 | 0 | 0 | -11,000 |
| Pretax income | 102,000 | 356,000 | 452,000 | 560,000 |
| Income tax | 20,000 | 46,000 | 66,000 | 102,000 |
| Net income | 82,000 | 310,000 | 386,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,517,000 | 7,745,000 | 7,821,000 | 7,539,000 |
| Total capital | 7,903,000 | 8,141,000 | 8,202,000 | 7,924,000 |
| Risk-weighted assets | 30,863,000 | 31,664,000 | 30,443,000 | 30,815,000 |