Call reports 2004
WINCHESTER SAVINGS BANK — 2004
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 450,373,000 | 443,353,000 | 460,078,000 | 463,649,000 |
| Total loans | 249,979,000 | 253,665,000 | 256,254,000 | 261,599,000 |
| Allowance for loan losses | 2,567,000 | 2,441,000 | 2,491,000 | 2,604,000 |
| Securities available for sale | 46,837,000 | 44,059,000 | 47,880,000 | 46,567,000 |
| Securities held to maturity | 101,504,000 | 112,752,000 | 115,928,000 | 123,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,783,000 | 370,791,000 | 388,258,000 | 391,629,000 |
| Interest-bearing deposits | 358,617,000 | 356,275,000 | 374,735,000 | 378,423,000 |
| Noninterest-bearing deposits | 12,166,000 | 14,516,000 | 13,523,000 | 13,206,000 |
| Equity capital | 41,514,000 | 41,635,000 | 42,645,000 | 43,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,824,000 | 9,547,000 | 14,365,000 | 19,378,000 |
| Interest expense | 1,804,000 | 3,544,000 | 5,393,000 | 7,261,000 |
| Net interest income | 3,020,000 | 6,003,000 | 8,972,000 | 12,117,000 |
| Noninterest income | 62,000 | 211,000 | 297,000 | 398,000 |
| Noninterest expense | 2,113,000 | 4,061,000 | 6,129,000 | 8,053,000 |
| Provision for loan losses | 5,000 | 15,000 | 60,000 | 160,000 |
| Pretax income | 965,000 | 2,144,000 | 3,099,000 | 4,352,000 |
| Income tax | 300,000 | 671,000 | 1,010,000 | 1,441,000 |
| Net income | 665,000 | 1,473,000 | 2,089,000 | 2,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,076,000 | 41,877,000 | 42,496,000 | 43,319,000 |
| Total capital | 43,752,000 | 44,410,000 | 45,103,000 | 46,098,000 |
| Risk-weighted assets | 237,634,000 | 234,904,000 | 237,020,000 | 243,463,000 |
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