Call reports 2009
WEST CHESTER SAVINGS BANK — 2009
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,035,000 | 49,647,000 | 49,034,000 | 48,497,000 |
| Total loans | 33,367,000 | 32,418,000 | 32,985,000 | 33,508,000 |
| Allowance for loan losses | 445,000 | 447,000 | 504,000 | 623,000 |
| Securities available for sale | 13,222,000 | 13,946,000 | 12,586,000 | 11,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,877,000 | 42,248,000 | 40,160,000 | 39,535,000 |
| Interest-bearing deposits | 37,323,000 | 36,581,000 | 34,591,000 | 34,407,000 |
| Noninterest-bearing deposits | 5,554,000 | 5,667,000 | 5,569,000 | 5,128,000 |
| Equity capital | 4,412,000 | 4,480,000 | 4,702,000 | 4,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,344,000 | 2,006,000 | 2,668,000 |
| Interest expense | 243,000 | 473,000 | 684,000 | 878,000 |
| Net interest income | 431,000 | 871,000 | 1,322,000 | 1,790,000 |
| Noninterest income | 75,000 | 160,000 | 185,000 | 266,000 |
| Noninterest expense | 351,000 | 736,000 | 1,108,000 | 1,494,000 |
| Provision for loan losses | 9,000 | 18,000 | 76,000 | 284,000 |
| Pretax income | 146,000 | 277,000 | 323,000 | 278,000 |
| Income tax | 39,000 | 72,000 | 72,000 | 38,000 |
| Net income | 107,000 | 205,000 | 251,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,115,000 | 4,212,000 | 4,259,000 | 4,246,000 |
| Total capital | 4,553,000 | 4,639,000 | 4,689,000 | 4,690,000 |
| Risk-weighted assets | 35,006,000 | 34,305,000 | 34,337,000 | 35,371,000 |