Call reports 2005
WEST CHESTER SAVINGS BANK — 2005
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 39,284,000 | 40,419,000 | 43,209,000 | 44,919,000 |
| Total loans | 23,520,000 | 24,756,000 | 27,013,000 | 29,009,000 |
| Allowance for loan losses | 313,000 | 318,000 | 325,000 | 347,000 |
| Securities available for sale | 13,604,000 | 13,248,000 | 13,026,000 | 12,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,431,000 | 33,041,000 | 31,922,000 | 36,036,000 |
| Interest-bearing deposits | 29,749,000 | 29,454,000 | 27,973,000 | 31,982,000 |
| Noninterest-bearing deposits | 3,682,000 | 3,587,000 | 3,949,000 | 4,054,000 |
| Equity capital | 4,349,000 | 4,529,000 | 4,591,000 | 4,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,056,000 | 1,622,000 | 2,244,000 |
| Interest expense | 156,000 | 327,000 | 529,000 | 786,000 |
| Net interest income | 365,000 | 729,000 | 1,093,000 | 1,458,000 |
| Noninterest income | 62,000 | 127,000 | 215,000 | 275,000 |
| Noninterest expense | 285,000 | 573,000 | 871,000 | 1,165,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 64,000 |
| Pretax income | 136,000 | 271,000 | 419,000 | 504,000 |
| Income tax | 39,000 | 78,000 | 122,000 | 146,000 |
| Net income | 97,000 | 193,000 | 297,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,117,000 | 4,213,000 | 4,318,000 | 4,379,000 |
| Total capital | 4,430,000 | 4,531,000 | 4,643,000 | 4,726,000 |
| Risk-weighted assets | 25,002,000 | 26,240,000 | 28,837,000 | 30,829,000 |