Call reports 2012
CHESTER NATIONAL BANK — 2012
What CHESTER NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 83,303,000 | 82,166,000 | 81,730,000 | 81,889,000 |
| Total loans | 35,778,000 | 35,946,000 | 35,141,000 | 35,908,000 |
| Allowance for loan losses | 426,000 | 426,000 | 425,000 | 425,000 |
| Securities available for sale | 7,425,000 | 5,634,000 | 5,007,000 | 5,500,000 |
| Securities held to maturity | 16,298,000 | 15,911,000 | 17,970,000 | 18,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,868,000 | 72,877,000 | 72,520,000 | 72,116,000 |
| Interest-bearing deposits | 65,686,000 | 63,467,000 | 61,284,000 | 62,735,000 |
| Noninterest-bearing deposits | 8,182,000 | 9,410,000 | 11,236,000 | 9,381,000 |
| Equity capital | 9,312,000 | 9,214,000 | 9,129,000 | 9,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,383,000 | 2,012,000 | 2,635,000 |
| Interest expense | 171,000 | 333,000 | 477,000 | 610,000 |
| Net interest income | 518,000 | 1,050,000 | 1,535,000 | 2,025,000 |
| Noninterest income | 66,000 | 149,000 | 214,000 | 871,000 |
| Noninterest expense | 437,000 | 898,000 | 1,344,000 | 1,781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 301,000 | 434,000 | 1,151,000 |
| Income tax | 22,000 | 43,000 | 76,000 | 276,000 |
| Net income | 125,000 | 258,000 | 358,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,213,000 | 9,146,000 | 9,045,000 | 9,466,000 |
| Total capital | 9,639,000 | 9,572,000 | 9,470,000 | 9,891,000 |
| Risk-weighted assets | 36,255,000 | 36,501,000 | 36,635,000 | 38,031,000 |