Call reports 2006
WEST CHESTER SAVINGS BANK — 2006
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 44,536,000 | 46,987,000 | 46,692,000 | 46,571,000 |
| Total loans | 29,291,000 | 30,837,000 | 31,947,000 | 31,883,000 |
| Allowance for loan losses | 362,000 | 382,000 | 400,000 | 413,000 |
| Securities available for sale | 11,990,000 | 11,551,000 | 11,430,000 | 11,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,431,000 | 34,395,000 | 34,983,000 | 36,026,000 |
| Interest-bearing deposits | 31,698,000 | 30,622,000 | 30,896,000 | 31,511,000 |
| Noninterest-bearing deposits | 3,733,000 | 3,773,000 | 4,087,000 | 4,515,000 |
| Equity capital | 4,616,000 | 4,646,000 | 4,821,000 | 4,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,332,000 | 2,054,000 | 2,766,000 |
| Interest expense | 288,000 | 616,000 | 969,000 | 1,321,000 |
| Net interest income | 346,000 | 716,000 | 1,085,000 | 1,445,000 |
| Noninterest income | 54,000 | 148,000 | 215,000 | 298,000 |
| Noninterest expense | 303,000 | 612,000 | 917,000 | 1,232,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 33,000 | 170,000 | 283,000 | 393,000 |
| Income tax | 7,000 | 40,000 | 70,000 | 99,000 |
| Net income | 26,000 | 130,000 | 213,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,405,000 | 4,509,000 | 4,592,000 | 4,673,000 |
| Total capital | 4,767,000 | 4,891,000 | 4,992,000 | 5,086,000 |
| Risk-weighted assets | 31,376,000 | 33,024,000 | 33,078,000 | 33,202,000 |