Call reports 2006
WINCHESTER SAVINGS BANK — 2006
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 470,305,000 | 465,826,000 | 457,590,000 | 455,183,000 |
| Total loans | 272,042,000 | 280,503,000 | 279,235,000 | 279,551,000 |
| Allowance for loan losses | 2,755,000 | 2,767,000 | 2,880,000 | 2,872,000 |
| Securities available for sale | 52,847,000 | 51,626,000 | 48,554,000 | 47,020,000 |
| Securities held to maturity | 119,593,000 | 111,477,000 | 108,509,000 | 102,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,548,000 | 386,757,000 | 381,001,000 | 381,293,000 |
| Interest-bearing deposits | 392,243,000 | 381,432,000 | 376,138,000 | 377,187,000 |
| Noninterest-bearing deposits | 5,305,000 | 5,325,000 | 4,863,000 | 4,106,000 |
| Equity capital | 46,739,000 | 47,166,000 | 48,058,000 | 48,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,701,000 | 11,528,000 | 17,527,000 | 23,467,000 |
| Interest expense | 2,574,000 | 5,403,000 | 8,515,000 | 11,760,000 |
| Net interest income | 3,127,000 | 6,125,000 | 9,012,000 | 11,707,000 |
| Noninterest income | 84,000 | 186,000 | 293,000 | 430,000 |
| Noninterest expense | 2,237,000 | 4,517,000 | 6,691,000 | 8,948,000 |
| Provision for loan losses | 15,000 | 25,000 | 138,000 | 264,000 |
| Pretax income | 959,000 | 1,774,000 | 2,482,000 | 3,039,000 |
| Income tax | 317,000 | 588,000 | 792,000 | 1,014,000 |
| Net income | 642,000 | 1,186,000 | 1,690,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,201,000 | 47,744,000 | 48,248,000 | 48,584,000 |
| Total capital | 50,217,000 | 50,754,000 | 51,421,000 | 51,788,000 |
| Risk-weighted assets | 250,992,000 | 254,076,000 | 250,578,000 | 251,553,000 |
Machine access — free, no API key
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