Call reports 2015
BANK OF CHESTNUT — 2015
What BANK OF CHESTNUT 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 | 16,497,000 | 16,400,000 | 17,029,000 | 17,287,000 |
| Total loans | 11,342,000 | 11,546,000 | 11,964,000 | 12,700,000 |
| Allowance for loan losses | 152,000 | 136,000 | 107,000 | 123,000 |
| Securities available for sale | 4,409,000 | 4,150,000 | 3,948,000 | 3,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,642,000 | 14,452,000 | 15,131,000 | 14,414,000 |
| Interest-bearing deposits | 12,730,000 | 12,728,000 | 13,478,000 | 12,613,000 |
| Noninterest-bearing deposits | 1,912,000 | 1,725,000 | 1,653,000 | 1,801,000 |
| Equity capital | 1,787,000 | 1,776,000 | 1,805,000 | 1,808,000 |
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 | 177,000 | 354,000 | 538,000 | 726,000 |
| Interest expense | 13,000 | 26,000 | 39,000 | 53,000 |
| Net interest income | 164,000 | 328,000 | 499,000 | 673,000 |
| Noninterest income | 6,000 | 12,000 | 18,000 | 28,000 |
| Noninterest expense | 128,000 | 262,000 | 391,000 | 545,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 37,000 | 58,000 | 91,000 | 106,000 |
| Income tax | 3,000 | 25,000 | 35,000 | 20,000 |
| Net income | 34,000 | 33,000 | 56,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,716,000 | 1,715,000 | 1,738,000 | 1,752,000 |
| Total capital | 1,850,000 | 1,851,000 | 1,845,000 | 1,875,000 |
| Risk-weighted assets | 10,735,000 | 10,909,000 | 11,204,000 | 11,490,000 |