Call reports 2004
WEST CHESTER SAVINGS BANK — 2004
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,401,000 | 37,817,000 | 37,121,000 | 39,117,000 |
| Total loans | 20,667,000 | 22,368,000 | 22,653,000 | 23,211,000 |
| Allowance for loan losses | 288,000 | 294,000 | 302,000 | 306,000 |
| Securities available for sale | 13,589,000 | 12,956,000 | 11,893,000 | 14,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,379,000 | 31,775,000 | 31,409,000 | 32,821,000 |
| Interest-bearing deposits | 29,170,000 | 28,836,000 | 28,042,000 | 28,746,000 |
| Noninterest-bearing deposits | 3,209,000 | 2,939,000 | 3,367,000 | 4,075,000 |
| Equity capital | 4,197,000 | 4,044,000 | 4,298,000 | 4,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 964,000 | 1,463,000 | 1,970,000 |
| Interest expense | 154,000 | 300,000 | 442,000 | 592,000 |
| Net interest income | 329,000 | 664,000 | 1,021,000 | 1,378,000 |
| Noninterest income | 61,000 | 136,000 | 223,000 | 293,000 |
| Noninterest expense | 267,000 | 535,000 | 797,000 | 1,066,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 112,000 | 248,000 | 424,000 | 576,000 |
| Income tax | 31,000 | 70,000 | 121,000 | 162,000 |
| Net income | 81,000 | 178,000 | 303,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,687,000 | 3,784,000 | 3,909,000 | 4,021,000 |
| Total capital | 3,956,000 | 4,074,000 | 4,205,000 | 4,326,000 |
| Risk-weighted assets | 21,490,000 | 23,234,000 | 23,653,000 | 24,412,000 |