Call reports 2001
WEST CHESTER SAVINGS BANK — 2001
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 31,899,000 | 31,476,000 | 32,293,000 | 32,886,000 |
| Total loans | 21,182,000 | 20,227,000 | 19,152,000 | 17,941,000 |
| Allowance for loan losses | 226,000 | 238,000 | 232,000 | 212,000 |
| Securities available for sale | 5,200,000 | 6,555,000 | 9,169,000 | 9,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,583,000 | 27,160,000 | 27,810,000 | 29,007,000 |
| Interest-bearing deposits | 25,703,000 | 25,330,000 | 25,783,000 | 26,192,000 |
| Noninterest-bearing deposits | 1,880,000 | 1,830,000 | 2,027,000 | 2,815,000 |
| Equity capital | 3,604,000 | 3,636,000 | 3,755,000 | 3,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,146,000 | 1,693,000 | 2,191,000 |
| Interest expense | 340,000 | 674,000 | 989,000 | 1,269,000 |
| Net interest income | 243,000 | 472,000 | 704,000 | 922,000 |
| Noninterest income | 50,000 | 113,000 | 177,000 | 238,000 |
| Noninterest expense | 215,000 | 423,000 | 636,000 | 845,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 54,000 | 115,000 | 174,000 | 220,000 |
| Income tax | 22,000 | 42,000 | 59,000 | 56,000 |
| Net income | 32,000 | 73,000 | 115,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,209,000 | 3,262,000 | 3,313,000 | 3,372,000 |
| Total capital | 3,435,000 | 3,500,000 | 3,545,000 | 3,584,000 |
| Risk-weighted assets | 24,047,000 | 24,155,000 | 24,075,000 | 22,566,000 |