Call reports 2005
WINCHESTER SAVINGS BANK — 2005
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 459,784,000 | 457,547,000 | 457,482,000 | 456,949,000 |
| Total loans | 261,986,000 | 260,931,000 | 263,723,000 | 268,402,000 |
| Allowance for loan losses | 2,613,000 | 2,616,000 | 2,670,000 | 2,737,000 |
| Securities available for sale | 45,209,000 | 49,439,000 | 50,744,000 | 51,516,000 |
| Securities held to maturity | 122,541,000 | 119,926,000 | 115,989,000 | 114,602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,713,000 | 386,730,000 | 390,007,000 | 385,397,000 |
| Interest-bearing deposits | 383,367,000 | 382,804,000 | 383,525,000 | 380,836,000 |
| Noninterest-bearing deposits | 6,346,000 | 3,926,000 | 6,482,000 | 4,561,000 |
| Equity capital | 43,839,000 | 44,855,000 | 45,557,000 | 46,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,149,000 | 10,402,000 | 15,761,000 | 21,317,000 |
| Interest expense | 1,904,000 | 3,899,000 | 5,968,000 | 8,208,000 |
| Net interest income | 3,245,000 | 6,503,000 | 9,793,000 | 13,109,000 |
| Noninterest income | 64,000 | 180,000 | 283,000 | 428,000 |
| Noninterest expense | 2,166,000 | 4,419,000 | 6,422,000 | 8,584,000 |
| Provision for loan losses | 0 | 0 | 55,000 | 120,000 |
| Pretax income | 1,178,000 | 2,297,000 | 3,632,000 | 4,866,000 |
| Income tax | 409,000 | 796,000 | 1,229,000 | 1,619,000 |
| Net income | 769,000 | 1,501,000 | 2,403,000 | 3,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,088,000 | 44,817,000 | 45,719,000 | 46,559,000 |
| Total capital | 46,866,000 | 47,642,000 | 48,620,000 | 49,512,000 |
| Risk-weighted assets | 244,453,000 | 241,734,000 | 245,482,000 | 248,631,000 |
Machine access — free, no API key
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