# WEST CHESTER SAVINGS BANK
WASHINGTON, IA · FDIC certificate 10131 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $45.7M | |
| Deposits | $40.3M | |
| Loans and leases | $27.6M | |
| Total equity | $4.8M | |
| Loans / deposits | 66.65% (p46 of band) | 68.67% |
| Liquid assets / assets | 34.96% (p49 of band) | |
| Uninsured deposits / deposits | 5.29% (p17 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.90% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.21% (p13 of band) | 10.18% |
| Unrealized securities loss / equity | 5.27% (p95 of band) | -0.21% |
| AOCI / equity | -4.58% (p35 of band) | |
| ROA (annualized) | 0.46% (p29 of band) | 0.77% |
| Net interest margin | 3.48% (p44 of band) | 3.59% |
| Efficiency ratio | 85.33% (p75 of band) | |
| Noncurrent loans | 1.86% (p64 of band) | 1.13% |
| Net charge-offs (annualized) | 0.14% (p70 of band) | |
| Reserve coverage of noncurrent | 144.25% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 2.60% (p23 of band) | |
| Auto loans | $819,000 (2.97% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $555,000 (12% of equity) (p99 of band) | |
| Deposits YoY | -6.9% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 0 |  | capital falling, charge-offs p90, uninsured deposits leaving |
| 2012-12 | 2 | losing money, expense ratio p90 |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2013-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-07 [Bob Stout Obituary Mar 22, 2015 - Jones & Eden Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9zU1NWWjlZYkxtWGthRllMQ2c5a201OW03blhCM2RuWG5VeG9jNlVrZjlYT3ZCLUM1YmI3SXpEV1dEczh5U2ExMGFfaEc2Rm5wSGYyODJWOA?oc=5) · Jones &amp; Eden Funeral Home
- 2018-11-30 [Calvin Wolf Obituary Nov 30, 2018 - Jones & Eden Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTE0zck00WDQ0ZG1tNHJtbFBaOTlDU0hlWlpNS1BZS25vYXl0R19GWm1ILWJOdkMydWt1bmlQQ1p1blJZYUxhYkpZWFR6dnhseWtoRXFzdmRGZERNdw?oc=5) · Jones &amp; Eden Funeral Home
- 2013-04-07 [John Rigler Obituary (2013) - Muscatine, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdXBuNDBHbW1RRXpndnlNVmZpUmtzSEJfRjkyRFNYM1ZGOUg5cGZEVWc5QlZuRHNxQmJOakZpOE0wSW9aMEFtV1g3ZjdrZDEyM1NEeTNQZmg3NVBKM283MkJmbk1fcTQySXhJLUZ6RDY0Sy1rQXZqY1VicThfUlB0T2ZpaGJ2enpjM2Yta201QUxQdDR1NXI0?oc=5) · legacy.com
- 2014-02-17 [Harriet Orr Obituary Feb 17, 2014 - Jones & Eden Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBOLVFPb3hFYVBUTmVaNDNfVFRjNFRsdjd4N2V6UjRPV2dneE5QT04yVkxKUFJQbUFtX1ZPUUg3MFAwVDZXT1FkZTNZQ0FBRV9JeFNtcHFCZ09nQQ?oc=5) · Jones &amp; Eden Funeral Home
- 2013-05-14 [Wilma Butler Obituary (1923 - 2013) - Washington, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbUdXU3BiVTdYeC1FVnFWaTUwcXVuLXA4Y3QwZDQwSkE3ZW5iRFlUSGtiaWtsQW4yNlR5V0FfYUtsdlgzX29oOHNOU0c5T2dlNWRBcGVrMkpONU44R0RuNDR4V0R6Y2V5Z3MzVFhOLTFvcE1YQmxDSmM0SUlEYUd1djlsZzdZczFEMnNrUWFNUVQxalAxWlRvTg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10131 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "10131", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide