Call reports 2002
WINCHESTER SAVINGS BANK — 2002
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 378,884,000 | 385,920,000 | 405,405,000 | 419,118,000 |
| Total loans | 248,494,000 | 256,699,000 | 256,695,000 | 252,869,000 |
| Allowance for loan losses | 2,481,000 | 2,509,000 | 2,527,000 | 2,539,000 |
| Securities available for sale | 26,639,000 | 30,572,000 | 27,895,000 | 39,468,000 |
| Securities held to maturity | 77,617,000 | 71,216,000 | 81,307,000 | 86,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,253,000 | 319,877,000 | 331,874,000 | 346,180,000 |
| Interest-bearing deposits | 307,754,000 | 309,686,000 | 319,990,000 | 335,372,000 |
| Noninterest-bearing deposits | 9,499,000 | 10,191,000 | 11,884,000 | 10,808,000 |
| Equity capital | 35,140,000 | 36,029,000 | 36,836,000 | 37,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,482,000 | 10,994,000 | 16,467,000 | 21,805,000 |
| Interest expense | 2,695,000 | 5,166,000 | 7,609,000 | 10,027,000 |
| Net interest income | 2,787,000 | 5,828,000 | 8,858,000 | 11,778,000 |
| Noninterest income | 72,000 | 186,000 | 288,000 | 444,000 |
| Noninterest expense | 1,701,000 | 3,370,000 | 5,046,000 | 6,700,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,273,000 | 2,704,000 | 4,133,000 | 5,472,000 |
| Income tax | 448,000 | 988,000 | 1,514,000 | 2,008,000 |
| Net income | 825,000 | 1,716,000 | 2,619,000 | 3,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,947,000 | 35,837,000 | 36,495,000 | 37,423,000 |
| Total capital | 37,501,000 | 38,362,000 | 39,022,000 | 39,962,000 |
| Risk-weighted assets | 225,272,000 | 229,666,000 | 234,928,000 | 234,492,000 |
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