Call reports 2002
WEST CHESTER SAVINGS BANK — 2002
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 35,402,000 | 35,411,000 | 36,418,000 | 36,978,000 |
| Total loans | 18,921,000 | 20,108,000 | 19,728,000 | 19,494,000 |
| Allowance for loan losses | 224,000 | 244,000 | 258,000 | 245,000 |
| Securities available for sale | 10,550,000 | 12,070,000 | 13,372,000 | 14,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,356,000 | 31,176,000 | 32,016,000 | 32,024,000 |
| Interest-bearing deposits | 28,808,000 | 28,539,000 | 29,148,000 | 29,450,000 |
| Noninterest-bearing deposits | 2,548,000 | 2,637,000 | 2,868,000 | 2,574,000 |
| Equity capital | 2,883,000 | 3,035,000 | 3,180,000 | 3,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,020,000 | 1,548,000 | 2,063,000 |
| Interest expense | 282,000 | 565,000 | 833,000 | 1,067,000 |
| Net interest income | 224,000 | 455,000 | 715,000 | 996,000 |
| Noninterest income | 61,000 | 125,000 | 194,000 | 260,000 |
| Noninterest expense | 206,000 | 422,000 | 651,000 | 885,000 |
| Provision for loan losses | 15,000 | 29,000 | 40,000 | 51,000 |
| Pretax income | 64,000 | 129,000 | 218,000 | 320,000 |
| Income tax | 15,000 | 29,000 | 54,000 | 81,000 |
| Net income | 49,000 | 100,000 | 164,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,547,000 | 2,597,000 | 2,661,000 | 3,266,000 |
| Total capital | 2,771,000 | 2,841,000 | 2,919,000 | 3,511,000 |
| Risk-weighted assets | 24,095,000 | 24,697,000 | 25,049,000 | 25,230,000 |