Call reports 2012
WEST CHESTER SAVINGS BANK — 2012
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 51,703,000 | 51,322,000 | 51,469,000 | 50,533,000 |
| Total loans | 28,208,000 | 28,084,000 | 28,077,000 | 27,464,000 |
| Allowance for loan losses | 734,000 | 748,000 | 758,000 | 743,000 |
| Securities available for sale | 18,114,000 | 19,695,000 | 20,456,000 | 17,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,705,000 | 43,237,000 | 42,414,000 | 43,334,000 |
| Interest-bearing deposits | 33,579,000 | 34,146,000 | 34,317,000 | 35,581,000 |
| Noninterest-bearing deposits | 10,126,000 | 9,091,000 | 8,097,000 | 7,753,000 |
| Equity capital | 4,865,000 | 4,954,000 | 5,040,000 | 4,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,024,000 | 1,536,000 | 2,028,000 |
| Interest expense | 118,000 | 229,000 | 331,000 | 419,000 |
| Net interest income | 399,000 | 795,000 | 1,205,000 | 1,609,000 |
| Noninterest income | 92,000 | 156,000 | 272,000 | 384,000 |
| Noninterest expense | 442,000 | 866,000 | 1,290,000 | 2,368,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 95,000 |
| Pretax income | 29,000 | 35,000 | 108,000 | -445,000 |
| Income tax | -9,000 | -25,000 | -20,000 | -247,000 |
| Net income | 38,000 | 60,000 | 128,000 | -198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,202,000 | 4,148,000 | 4,186,000 | 3,597,000 |
| Total capital | 4,620,000 | 4,559,000 | 4,593,000 | 4,000,000 |
| Risk-weighted assets | 33,084,000 | 32,561,000 | 32,222,000 | 31,931,000 |