Call reports 2011
CHESTER NATIONAL BANK — 2011
What CHESTER NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 86,463,000 | 87,614,000 | 84,408,000 | 84,949,000 |
| Total loans | 33,511,000 | 33,586,000 | 33,542,000 | 35,610,000 |
| Allowance for loan losses | 437,000 | 436,000 | 437,000 | 426,000 |
| Securities available for sale | 21,750,000 | 19,080,000 | 11,707,000 | 8,726,000 |
| Securities held to maturity | 3,390,000 | 7,116,000 | 12,094,000 | 13,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,240,000 | 78,473,000 | 75,109,000 | 75,658,000 |
| Interest-bearing deposits | 65,495,000 | 65,941,000 | 64,686,000 | 67,112,000 |
| Noninterest-bearing deposits | 11,745,000 | 12,532,000 | 10,423,000 | 8,546,000 |
| Equity capital | 9,119,000 | 9,047,000 | 9,209,000 | 9,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,382,000 | 2,089,000 | 2,787,000 |
| Interest expense | 209,000 | 407,000 | 602,000 | 787,000 |
| Net interest income | 476,000 | 975,000 | 1,487,000 | 2,000,000 |
| Noninterest income | 68,000 | 144,000 | 219,000 | 287,000 |
| Noninterest expense | 458,000 | 912,000 | 1,359,000 | 1,810,000 |
| Provision for loan losses | 0 | 0 | 0 | -10,000 |
| Pretax income | 109,000 | 230,000 | 442,000 | 582,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 84,000 |
| Net income | 88,000 | 188,000 | 379,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,136,000 | 8,886,000 | 9,077,000 | 9,088,000 |
| Total capital | 9,562,000 | 9,305,000 | 9,500,000 | 9,514,000 |
| Risk-weighted assets | 34,043,000 | 33,536,000 | 33,834,000 | 34,970,000 |