Call reports 2003
WEST CHESTER SAVINGS BANK — 2003
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 37,694,000 | 36,302,000 | 36,118,000 | 39,032,000 |
| Total loans | 19,302,000 | 19,986,000 | 20,247,000 | 21,272,000 |
| Allowance for loan losses | 249,000 | 258,000 | 267,000 | 281,000 |
| Securities available for sale | 13,770,000 | 13,759,000 | 12,585,000 | 15,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,821,000 | 31,290,000 | 31,381,000 | 33,275,000 |
| Interest-bearing deposits | 29,737,000 | 28,433,000 | 28,353,000 | 29,870,000 |
| Noninterest-bearing deposits | 3,084,000 | 2,857,000 | 3,028,000 | 3,405,000 |
| Equity capital | 3,837,000 | 3,934,000 | 3,966,000 | 4,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 973,000 | 1,436,000 | 1,917,000 |
| Interest expense | 210,000 | 396,000 | 562,000 | 725,000 |
| Net interest income | 292,000 | 577,000 | 874,000 | 1,192,000 |
| Noninterest income | 64,000 | 132,000 | 216,000 | 299,000 |
| Noninterest expense | 235,000 | 471,000 | 728,000 | 979,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 112,000 | 220,000 | 335,000 | 476,000 |
| Income tax | 34,000 | 63,000 | 93,000 | 136,000 |
| Net income | 78,000 | 157,000 | 242,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,233,000 | 3,423,000 | 3,508,000 | 3,606,000 |
| Total capital | 3,482,000 | 3,681,000 | 3,768,000 | 3,880,000 |
| Risk-weighted assets | 20,882,000 | 20,981,000 | 20,766,000 | 21,924,000 |