Call reports 2010
WEST CHESTER SAVINGS BANK — 2010
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 47,873,000 | 49,183,000 | 48,540,000 | 48,323,000 |
| Total loans | 33,034,000 | 31,779,000 | 31,007,000 | 30,816,000 |
| Allowance for loan losses | 650,000 | 662,000 | 647,000 | 814,000 |
| Securities available for sale | 11,308,000 | 12,206,000 | 13,525,000 | 13,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,987,000 | 41,177,000 | 40,571,000 | 40,777,000 |
| Interest-bearing deposits | 34,222,000 | 35,156,000 | 34,218,000 | 34,868,000 |
| Noninterest-bearing deposits | 5,765,000 | 6,021,000 | 6,353,000 | 5,909,000 |
| Equity capital | 4,744,000 | 4,863,000 | 4,904,000 | 4,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,245,000 | 1,852,000 | 2,427,000 |
| Interest expense | 168,000 | 329,000 | 485,000 | 635,000 |
| Net interest income | 460,000 | 916,000 | 1,367,000 | 1,792,000 |
| Noninterest income | 76,000 | 156,000 | 260,000 | 375,000 |
| Noninterest expense | 377,000 | 755,000 | 1,169,000 | 1,561,000 |
| Provision for loan losses | 32,000 | 63,000 | 339,000 | 890,000 |
| Pretax income | 127,000 | 298,000 | 163,000 | -240,000 |
| Income tax | 31,000 | 79,000 | 14,000 | -156,000 |
| Net income | 96,000 | 219,000 | 149,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,341,000 | 4,465,000 | 4,394,000 | 4,164,000 |
| Total capital | 4,776,000 | 4,899,000 | 4,822,000 | 4,588,000 |
| Risk-weighted assets | 34,479,000 | 34,504,000 | 34,014,000 | 33,418,000 |