Call reports 2013
CHESTER NATIONAL BANK — 2013
What CHESTER NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 75,629,000 | 77,971,000 | 77,891,000 | 77,611,000 |
| Total loans | 36,009,000 | 35,584,000 | 35,163,000 | 34,079,000 |
| Allowance for loan losses | 425,000 | 425,000 | 425,000 | 380,000 |
| Securities available for sale | 5,547,000 | 5,355,000 | 6,329,000 | 6,604,000 |
| Securities held to maturity | 15,518,000 | 14,365,000 | 14,720,000 | 14,580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,061,000 | 68,792,000 | 68,625,000 | 68,352,000 |
| Interest-bearing deposits | 60,091,000 | 59,890,000 | 59,128,000 | 59,297,000 |
| Noninterest-bearing deposits | 5,970,000 | 8,902,000 | 9,497,000 | 9,055,000 |
| Equity capital | 9,402,000 | 9,068,000 | 9,174,000 | 9,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 602,000 | 1,188,000 | 1,772,000 | 2,352,000 |
| Interest expense | 121,000 | 230,000 | 333,000 | 425,000 |
| Net interest income | 481,000 | 958,000 | 1,439,000 | 1,927,000 |
| Noninterest income | 65,000 | 131,000 | 197,000 | 258,000 |
| Noninterest expense | 449,000 | 885,000 | 1,321,000 | 1,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 131,000 | 260,000 | 371,000 | 459,000 |
| Income tax | 21,000 | 43,000 | 65,000 | 0 |
| Net income | 110,000 | 217,000 | 306,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,276,000 | 9,083,000 | 9,171,000 | 9,125,000 |
| Total capital | 9,701,000 | 9,508,000 | 9,596,000 | 9,505,000 |
| Risk-weighted assets | 36,753,000 | 36,917,000 | 37,167,000 | 36,925,000 |