Call reports 2003
WINCHESTER SAVINGS BANK — 2003
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 443,554,000 | 443,509,000 | 449,868,000 | 452,082,000 |
| Total loans | 250,946,000 | 243,699,000 | 246,176,000 | 248,505,000 |
| Allowance for loan losses | 2,557,000 | 2,546,000 | 2,573,000 | 2,568,000 |
| Securities available for sale | 49,035,000 | 57,067,000 | 47,260,000 | 41,798,000 |
| Securities held to maturity | 96,049,000 | 90,607,000 | 109,158,000 | 117,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,451,000 | 368,212,000 | 373,504,000 | 375,215,000 |
| Interest-bearing deposits | 349,568,000 | 355,953,000 | 360,525,000 | 362,644,000 |
| Noninterest-bearing deposits | 9,883,000 | 12,259,000 | 12,979,000 | 12,571,000 |
| Equity capital | 38,480,000 | 39,450,000 | 39,759,000 | 40,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,189,000 | 10,180,000 | 14,999,000 | 19,913,000 |
| Interest expense | 2,322,000 | 4,519,000 | 6,547,000 | 8,452,000 |
| Net interest income | 2,867,000 | 5,661,000 | 8,452,000 | 11,461,000 |
| Noninterest income | 112,000 | 246,000 | 296,000 | 424,000 |
| Noninterest expense | 1,864,000 | 3,691,000 | 5,675,000 | 7,529,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 1,015,000 | 2,073,000 | 2,941,000 | 4,261,000 |
| Income tax | 367,000 | 745,000 | 1,023,000 | 1,442,000 |
| Net income | 648,000 | 1,328,000 | 1,918,000 | 2,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,050,000 | 38,918,000 | 39,506,000 | 40,408,000 |
| Total capital | 40,607,000 | 41,495,000 | 42,110,000 | 43,063,000 |
| Risk-weighted assets | 234,894,000 | 233,615,000 | 242,261,000 | 239,070,000 |
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