Call reports 2008
WINCHESTER SAVINGS BANK — 2008
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 462,254,000 | 466,897,000 | 471,808,000 | 486,820,000 |
| Total loans | 303,926,000 | 316,618,000 | 326,008,000 | 329,116,000 |
| Allowance for loan losses | 2,784,000 | 2,966,000 | 3,058,000 | 3,140,000 |
| Securities available for sale | 32,887,000 | 30,256,000 | 30,704,000 | 30,491,000 |
| Securities held to maturity | 72,530,000 | 83,117,000 | 78,535,000 | 84,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,594,000 | 365,103,000 | 365,390,000 | 382,119,000 |
| Interest-bearing deposits | 357,303,000 | 359,311,000 | 360,228,000 | 375,927,000 |
| Noninterest-bearing deposits | 5,291,000 | 5,792,000 | 5,162,000 | 6,192,000 |
| Equity capital | 50,737,000 | 50,555,000 | 50,802,000 | 51,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,899,000 | 11,730,000 | 17,629,000 | 23,574,000 |
| Interest expense | 3,234,000 | 6,055,000 | 8,715,000 | 11,413,000 |
| Net interest income | 2,665,000 | 5,675,000 | 8,914,000 | 12,161,000 |
| Noninterest income | 130,000 | 275,000 | 444,000 | 614,000 |
| Noninterest expense | 2,448,000 | 4,883,000 | 7,270,000 | 9,766,000 |
| Provision for loan losses | 20,000 | 200,000 | 290,000 | 420,000 |
| Pretax income | 362,000 | 874,000 | 1,838,000 | 2,608,000 |
| Income tax | 126,000 | 293,000 | 643,000 | 925,000 |
| Net income | 236,000 | 581,000 | 1,195,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,352,000 | 50,933,000 | 51,225,000 | 51,542,000 |
| Total capital | 53,172,000 | 53,899,000 | 54,283,000 | 54,682,000 |
| Risk-weighted assets | 269,318,000 | 273,684,000 | 274,987,000 | 282,513,000 |
Machine access — free, no API key
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