Call reports 2014
CHESTER COUNTY BANK — 2014
What CHESTER COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 68,266,000 | 69,142,000 | 68,517,000 | 69,320,000 |
| Total loans | 29,888,000 | 29,233,000 | 28,441,000 | 28,415,000 |
| Allowance for loan losses | 388,000 | 373,000 | 348,000 | 346,000 |
| Securities available for sale | 22,441,000 | 22,780,000 | 23,603,000 | 23,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,604,000 | 62,117,000 | 61,474,000 | 62,081,000 |
| Interest-bearing deposits | 44,199,000 | 44,302,000 | 44,833,000 | 44,166,000 |
| Noninterest-bearing deposits | 17,405,000 | 17,815,000 | 16,642,000 | 17,915,000 |
| Equity capital | 6,179,000 | 6,472,000 | 6,643,000 | 6,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 717,000 | 1,420,000 | 2,101,000 | 2,785,000 |
| Interest expense | 92,000 | 182,000 | 274,000 | 363,000 |
| Net interest income | 625,000 | 1,238,000 | 1,827,000 | 2,422,000 |
| Noninterest income | 153,000 | 252,000 | 357,000 | 449,000 |
| Noninterest expense | 535,000 | 1,066,000 | 1,581,000 | 2,119,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 313,000 | 494,000 | 675,000 | 824,000 |
| Income tax | 70,000 | 126,000 | 183,000 | 244,000 |
| Net income | 243,000 | 368,000 | 492,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,319,000 | 6,445,000 | 6,569,000 | 6,582,000 |
| Total capital | 6,707,000 | 6,818,000 | 6,917,000 | 6,928,000 |
| Risk-weighted assets | 31,706,000 | 31,510,000 | 30,943,000 | 30,814,000 |