Call reports 2008
WEST CHESTER SAVINGS BANK — 2008
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,790,000 | 46,772,000 | 47,261,000 | 49,403,000 |
| Total loans | 32,967,000 | 31,300,000 | 33,104,000 | 32,640,000 |
| Allowance for loan losses | 444,000 | 451,000 | 416,000 | 436,000 |
| Securities available for sale | 8,017,000 | 9,469,000 | 10,766,000 | 12,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,182,000 | 38,925,000 | 38,658,000 | 41,266,000 |
| Interest-bearing deposits | 34,193,000 | 34,087,000 | 34,470,000 | 36,953,000 |
| Noninterest-bearing deposits | 4,989,000 | 4,838,000 | 4,188,000 | 4,313,000 |
| Equity capital | 4,084,000 | 4,095,000 | 4,126,000 | 4,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 708,000 | 1,381,000 | 2,061,000 | 2,711,000 |
| Interest expense | 335,000 | 644,000 | 917,000 | 1,178,000 |
| Net interest income | 373,000 | 737,000 | 1,144,000 | 1,533,000 |
| Noninterest income | 73,000 | 161,000 | 259,000 | 345,000 |
| Noninterest expense | 314,000 | 633,000 | 955,000 | 1,282,000 |
| Provision for loan losses | 9,000 | 18,000 | 112,000 | 133,000 |
| Pretax income | 123,000 | 247,000 | 336,000 | 463,000 |
| Income tax | 34,000 | 71,000 | 92,000 | 126,000 |
| Net income | 89,000 | 176,000 | 244,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,759,000 | 3,845,000 | 3,913,000 | 4,007,000 |
| Total capital | 4,186,000 | 4,254,000 | 4,329,000 | 4,435,000 |
| Risk-weighted assets | 34,300,000 | 32,713,000 | 34,536,000 | 34,291,000 |