Call reports 2015
CHESTER COUNTY BANK — 2015
What CHESTER COUNTY 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 | 70,387,000 | 69,700,000 | 70,822,000 | 72,444,000 |
| Total loans | 27,456,000 | 26,923,000 | 27,471,000 | 27,174,000 |
| Allowance for loan losses | 338,000 | 273,000 | 270,000 | 269,000 |
| Securities available for sale | 24,284,000 | 23,862,000 | 23,736,000 | 23,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,012,000 | 62,639,000 | 63,308,000 | 65,012,000 |
| Interest-bearing deposits | 44,146,000 | 44,888,000 | 45,454,000 | 44,748,000 |
| Noninterest-bearing deposits | 18,866,000 | 17,751,000 | 17,854,000 | 20,264,000 |
| Equity capital | 6,994,000 | 6,814,000 | 7,133,000 | 7,134,000 |
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 | 665,000 | 1,333,000 | 2,016,000 | 2,692,000 |
| Interest expense | 88,000 | 171,000 | 258,000 | 331,000 |
| Net interest income | 577,000 | 1,162,000 | 1,758,000 | 2,361,000 |
| Noninterest income | 95,000 | 183,000 | 295,000 | 429,000 |
| Noninterest expense | 506,000 | 1,021,000 | 1,553,000 | 2,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 324,000 | 500,000 | 686,000 |
| Income tax | 51,000 | 88,000 | 128,000 | 193,000 |
| Net income | 115,000 | 236,000 | 372,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,627,000 | 6,749,000 | 6,884,000 | 6,930,000 |
| Total capital | 6,965,000 | 7,022,000 | 7,154,000 | 7,199,000 |
| Risk-weighted assets | 30,696,000 | 29,758,000 | 30,100,000 | 30,376,000 |