Call reports 2015
CHESTER NATIONAL BANK — 2015
What CHESTER NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 86,347,000 | 90,291,000 | 93,853,000 | 90,156,000 |
| Total loans | 37,792,000 | 38,290,000 | 39,322,000 | 38,897,000 |
| Allowance for loan losses | 400,000 | 405,000 | 409,000 | 415,000 |
| Securities available for sale | 7,243,000 | 6,962,000 | 6,868,000 | 5,913,000 |
| Securities held to maturity | 15,013,000 | 18,696,000 | 21,732,000 | 21,838,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,488,000 | 82,003,000 | 85,466,000 | 81,404,000 |
| Interest-bearing deposits | 61,811,000 | 62,625,000 | 61,474,000 | 58,994,000 |
| Noninterest-bearing deposits | 15,678,000 | 19,378,000 | 23,992,000 | 22,410,000 |
| Equity capital | 8,728,000 | 8,199,000 | 8,299,000 | 8,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,219,000 | 1,841,000 | 2,458,000 |
| Interest expense | 62,000 | 123,000 | 183,000 | 242,000 |
| Net interest income | 542,000 | 1,096,000 | 1,658,000 | 2,216,000 |
| Noninterest income | 28,000 | 93,000 | 173,000 | 236,000 |
| Noninterest expense | 451,000 | 901,000 | 1,354,000 | 1,801,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 122,000 | 285,000 | 468,000 | 636,000 |
| Income tax | 22,000 | 49,000 | 77,000 | 75,000 |
| Net income | 100,000 | 236,000 | 391,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,772,000 | 8,407,000 | 8,563,000 | 8,733,000 |
| Total capital | 9,172,000 | 8,812,000 | 8,972,000 | 9,148,000 |
| Risk-weighted assets | 38,742,000 | 39,652,000 | 40,803,000 | 40,009,000 |