Call reports 2005
CHESTER COUNTY BANK — 2005
What CHESTER COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,024,000 | 40,136,000 | 40,659,000 | 38,774,000 |
| Total loans | 16,651,000 | 16,797,000 | 16,566,000 | 16,216,000 |
| Allowance for loan losses | 624,000 | 653,000 | 552,000 | 522,000 |
| Securities available for sale | 13,458,000 | 13,443,000 | 13,100,000 | 13,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,298,000 | 35,350,000 | 35,850,000 | 33,912,000 |
| Interest-bearing deposits | 25,012,000 | 25,605,000 | 25,160,000 | 24,496,000 |
| Noninterest-bearing deposits | 10,286,000 | 9,745,000 | 10,690,000 | 9,416,000 |
| Equity capital | 3,577,000 | 3,688,000 | 3,686,000 | 3,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,050,000 | 1,582,000 | 2,120,000 |
| Interest expense | 119,000 | 256,000 | 406,000 | 584,000 |
| Net interest income | 411,000 | 794,000 | 1,176,000 | 1,536,000 |
| Noninterest income | 103,000 | 224,000 | 320,000 | 409,000 |
| Noninterest expense | 367,000 | 760,000 | 1,142,000 | 1,534,000 |
| Provision for loan losses | 39,000 | 78,000 | 106,000 | 125,000 |
| Pretax income | 109,000 | 183,000 | 251,000 | 289,000 |
| Income tax | 33,000 | 51,000 | 60,000 | 71,000 |
| Net income | 76,000 | 132,000 | 191,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,614,000 | 3,645,000 | 3,679,000 | 3,682,000 |
| Total capital | 3,865,000 | 3,896,000 | 3,928,000 | 3,926,000 |
| Risk-weighted assets | 19,697,000 | 19,680,000 | 19,630,000 | 19,270,000 |
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