Call reports 2011
WEST CHESTER SAVINGS BANK — 2011
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 49,875,000 | 50,151,000 | 49,629,000 | 50,278,000 |
| Total loans | 30,499,000 | 29,786,000 | 29,169,000 | 28,462,000 |
| Allowance for loan losses | 890,000 | 898,000 | 944,000 | 899,000 |
| Securities available for sale | 15,212,000 | 15,826,000 | 16,680,000 | 18,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,164,000 | 42,214,000 | 41,661,000 | 41,832,000 |
| Interest-bearing deposits | 35,634,000 | 35,723,000 | 35,054,000 | 34,702,000 |
| Noninterest-bearing deposits | 6,530,000 | 6,491,000 | 6,607,000 | 7,130,000 |
| Equity capital | 4,518,000 | 4,725,000 | 4,841,000 | 4,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,155,000 | 1,723,000 | 2,274,000 |
| Interest expense | 142,000 | 284,000 | 421,000 | 551,000 |
| Net interest income | 426,000 | 871,000 | 1,302,000 | 1,723,000 |
| Noninterest income | 98,000 | 206,000 | 269,000 | 383,000 |
| Noninterest expense | 409,000 | 830,000 | 1,258,000 | 1,715,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 70,000 | 157,000 | 178,000 | 241,000 |
| Income tax | 10,000 | 25,000 | 16,000 | 12,000 |
| Net income | 60,000 | 132,000 | 162,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,222,000 | 4,295,000 | 4,325,000 | 4,392,000 |
| Total capital | 4,655,000 | 4,718,000 | 4,734,000 | 4,796,000 |
| Risk-weighted assets | 34,180,000 | 33,402,000 | 32,576,000 | 31,821,000 |