Call reports 2013
CHESTER COUNTY BANK — 2013
What CHESTER COUNTY 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 | 70,152,000 | 68,386,000 | 68,668,000 | 68,513,000 |
| Total loans | 28,941,000 | 29,213,000 | 29,787,000 | 30,061,000 |
| Allowance for loan losses | 352,000 | 356,000 | 398,000 | 389,000 |
| Securities available for sale | 20,406,000 | 21,123,000 | 22,655,000 | 22,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,774,000 | 61,544,000 | 61,877,000 | 61,975,000 |
| Interest-bearing deposits | 44,564,000 | 44,459,000 | 45,791,000 | 44,861,000 |
| Noninterest-bearing deposits | 18,210,000 | 17,085,000 | 16,086,000 | 17,114,000 |
| Equity capital | 6,262,000 | 5,852,000 | 6,000,000 | 5,918,000 |
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 | 724,000 | 1,416,000 | 2,142,000 | 2,866,000 |
| Interest expense | 95,000 | 191,000 | 289,000 | 385,000 |
| Net interest income | 629,000 | 1,225,000 | 1,853,000 | 2,481,000 |
| Noninterest income | 99,000 | 252,000 | 355,000 | 387,000 |
| Noninterest expense | 520,000 | 1,031,000 | 1,534,000 | 2,090,000 |
| Provision for loan losses | 5,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 205,000 | 449,000 | 685,000 | 789,000 |
| Income tax | 57,000 | 135,000 | 206,000 | 224,000 |
| Net income | 148,000 | 314,000 | 479,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,830,000 | 5,995,000 | 6,161,000 | 6,147,000 |
| Total capital | 6,182,000 | 6,351,000 | 6,559,000 | 6,536,000 |
| Risk-weighted assets | 33,382,000 | 31,946,000 | 32,279,000 | 31,963,000 |