Call reports 2007
WINCHESTER SAVINGS BANK — 2007
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 449,665,000 | 441,912,000 | 450,226,000 | 456,653,000 |
| Total loans | 281,729,000 | 290,281,000 | 298,611,000 | 302,203,000 |
| Allowance for loan losses | 2,874,000 | 2,821,000 | 2,848,000 | 2,789,000 |
| Securities available for sale | 40,355,000 | 36,993,000 | 33,814,000 | 32,722,000 |
| Securities held to maturity | 97,926,000 | 95,671,000 | 86,673,000 | 85,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,790,000 | 351,297,000 | 350,028,000 | 359,996,000 |
| Interest-bearing deposits | 366,733,000 | 347,190,000 | 344,416,000 | 356,115,000 |
| Noninterest-bearing deposits | 4,057,000 | 4,107,000 | 5,612,000 | 3,881,000 |
| Equity capital | 48,911,000 | 49,632,000 | 50,254,000 | 50,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,856,000 | 11,713,000 | 17,709,000 | 23,809,000 |
| Interest expense | 3,193,000 | 6,351,000 | 9,638,000 | 13,064,000 |
| Net interest income | 2,663,000 | 5,362,000 | 8,071,000 | 10,745,000 |
| Noninterest income | 110,000 | 215,000 | 351,000 | 510,000 |
| Noninterest expense | 2,295,000 | 4,591,000 | 6,655,000 | 8,938,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 36,000 |
| Pretax income | 468,000 | 975,000 | 1,755,000 | 2,274,000 |
| Income tax | 182,000 | 283,000 | 566,000 | 744,000 |
| Net income | 286,000 | 692,000 | 1,189,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,870,000 | 49,277,000 | 49,774,000 | 50,116,000 |
| Total capital | 51,989,000 | 52,322,000 | 52,844,000 | 53,024,000 |
| Risk-weighted assets | 252,522,000 | 252,861,000 | 258,672,000 | 267,088,000 |
Machine access — free, no API key
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