Call reports 2016
CHESTER COUNTY BANK — 2016
What CHESTER COUNTY 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 | 71,317,000 | 70,949,000 | 70,696,000 | 69,277,000 |
| Total loans | 27,450,000 | 26,956,000 | 27,327,000 | 26,786,000 |
| Allowance for loan losses | 267,000 | 269,000 | 271,000 | 245,000 |
| Securities available for sale | 23,867,000 | 23,430,000 | 23,189,000 | 23,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,499,000 | 62,866,000 | 62,371,000 | 61,833,000 |
| Interest-bearing deposits | 44,170,000 | 44,110,000 | 42,783,000 | 42,211,000 |
| Noninterest-bearing deposits | 19,329,000 | 18,756,000 | 19,588,000 | 19,622,000 |
| Equity capital | 7,360,000 | 7,588,000 | 7,752,000 | 7,200,000 |
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 | 719,000 | 1,397,000 | 2,061,000 | 2,720,000 |
| Interest expense | 76,000 | 151,000 | 223,000 | 295,000 |
| Net interest income | 643,000 | 1,246,000 | 1,838,000 | 2,425,000 |
| Noninterest income | 96,000 | 199,000 | 305,000 | 442,000 |
| Noninterest expense | 532,000 | 1,027,000 | 1,545,000 | 2,086,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 219,000 | 459,000 | 662,000 | 845,000 |
| Income tax | 66,000 | 140,000 | 210,000 | 253,000 |
| Net income | 153,000 | 319,000 | 452,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 7,174,000 | 7,307,000 | 7,347,000 |
| Total capital | 7,276,000 | 7,443,000 | 7,578,000 | 7,592,000 |
| Risk-weighted assets | 33,134,000 | 29,740,000 | 31,152,000 | 30,292,000 |