Call reports 2016
CHESTER NATIONAL BANK — 2016
What CHESTER NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,129,000 | 95,602,000 | 97,458,000 | 93,172,000 |
| Total loans | 38,759,000 | 38,858,000 | 38,979,000 | 38,487,000 |
| Allowance for loan losses | 421,000 | 421,000 | 421,000 | 412,000 |
| Securities available for sale | 5,427,000 | 5,072,000 | 5,286,000 | 4,630,000 |
| Securities held to maturity | 21,539,000 | 21,842,000 | 22,168,000 | 22,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,205,000 | 86,675,000 | 88,508,000 | 84,497,000 |
| Interest-bearing deposits | 60,803,000 | 58,849,000 | 58,469,000 | 54,814,000 |
| Noninterest-bearing deposits | 23,402,000 | 27,826,000 | 30,039,000 | 29,683,000 |
| Equity capital | 8,797,000 | 8,832,000 | 8,868,000 | 8,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,211,000 | 1,824,000 | 2,423,000 |
| Interest expense | 56,000 | 109,000 | 164,000 | 215,000 |
| Net interest income | 554,000 | 1,102,000 | 1,660,000 | 2,208,000 |
| Noninterest income | 60,000 | 124,000 | 199,000 | 262,000 |
| Noninterest expense | 448,000 | 906,000 | 1,369,000 | 1,828,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | -3,000 |
| Pretax income | 181,000 | 374,000 | 580,000 | 762,000 |
| Income tax | 23,000 | 48,000 | 74,000 | 89,000 |
| Net income | 158,000 | 326,000 | 506,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,783,000 | 8,810,000 | 8,852,000 | 8,691,000 |
| Total capital | 9,204,000 | 9,231,000 | 9,273,000 | 9,103,000 |
| Risk-weighted assets | 38,776,000 | 38,308,000 | 39,174,000 | 38,881,000 |