Call reports 2013
WEST CHESTER SAVINGS BANK — 2013
What WEST CHESTER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Total assets | 47,096,000 | 45,716,000 |
| Total loans | 27,069,000 | 27,577,000 |
| Allowance for loan losses | 741,000 | 740,000 |
| Securities available for sale | 16,905,000 | 14,642,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 40,977,000 | 40,266,000 |
| Interest-bearing deposits | 34,288,000 | 32,777,000 |
| Noninterest-bearing deposits | 6,689,000 | 7,489,000 |
| Equity capital | 4,889,000 | 4,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Interest income | 455,000 | 903,000 |
| Interest expense | 71,000 | 138,000 |
| Net interest income | 384,000 | 765,000 |
| Noninterest income | 92,000 | 196,000 |
| Noninterest expense | 393,000 | 820,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | 69,000 | 112,000 |
| Income tax | 6,000 | 2,000 |
| Net income | 63,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Tier 1 capital | 3,660,000 | 3,694,000 |
| Total capital | 4,051,000 | 4,090,000 |
| Risk-weighted assets | 30,902,000 | 31,314,000 |
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