Call reports 2007
WEST CHESTER SAVINGS BANK — 2007
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,287,000 | 48,000,000 | 49,827,000 | 47,280,000 |
| Total loans | 32,036,000 | 33,434,000 | 35,273,000 | 34,909,000 |
| Allowance for loan losses | 420,000 | 420,000 | 429,000 | 437,000 |
| Securities available for sale | 11,240,000 | 11,125,000 | 11,209,000 | 9,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,339,000 | 36,697,000 | 36,944,000 | 37,762,000 |
| Interest-bearing deposits | 32,487,000 | 32,494,000 | 31,837,000 | 32,712,000 |
| Noninterest-bearing deposits | 3,852,000 | 4,203,000 | 5,107,000 | 5,050,000 |
| Equity capital | 5,007,000 | 5,051,000 | 5,222,000 | 3,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,444,000 | 2,228,000 | 2,988,000 |
| Interest expense | 358,000 | 739,000 | 1,141,000 | 1,515,000 |
| Net interest income | 347,000 | 705,000 | 1,087,000 | 1,473,000 |
| Noninterest income | 84,000 | 171,000 | 258,000 | 360,000 |
| Noninterest expense | 311,000 | 623,000 | 936,000 | 1,264,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 111,000 | 235,000 | 382,000 | 533,000 |
| Income tax | 30,000 | 64,000 | 106,000 | 146,000 |
| Net income | 81,000 | 171,000 | 276,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,754,000 | 4,844,000 | 4,949,000 | 3,672,000 |
| Total capital | 5,174,000 | 5,264,000 | 5,378,000 | 4,109,000 |
| Risk-weighted assets | 34,210,000 | 36,552,000 | 37,041,000 | 35,545,000 |