Call reports 2009
WINCHESTER SAVINGS BANK — 2009
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 501,340,000 | 510,911,000 | 507,933,000 | 514,416,000 |
| Total loans | 324,905,000 | 328,645,000 | 333,673,000 | 331,023,000 |
| Allowance for loan losses | 3,231,000 | 3,268,000 | 3,380,000 | 3,469,000 |
| Securities available for sale | 28,665,000 | 34,737,000 | 39,644,000 | 36,001,000 |
| Securities held to maturity | 97,115,000 | 94,382,000 | 89,969,000 | 81,592,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,262,000 | 411,907,000 | 408,168,000 | 414,320,000 |
| Interest-bearing deposits | 391,827,000 | 405,488,000 | 401,963,000 | 408,327,000 |
| Noninterest-bearing deposits | 5,435,000 | 6,419,000 | 6,205,000 | 5,993,000 |
| Equity capital | 51,783,000 | 50,934,000 | 51,799,000 | 52,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,826,000 | 11,527,000 | 17,186,000 | 22,740,000 |
| Interest expense | 2,612,000 | 5,047,000 | 7,310,000 | 9,397,000 |
| Net interest income | 3,214,000 | 6,480,000 | 9,876,000 | 13,343,000 |
| Noninterest income | 144,000 | 329,000 | 485,000 | 671,000 |
| Noninterest expense | 3,008,000 | 5,871,000 | 8,652,000 | 11,373,000 |
| Provision for loan losses | 90,000 | 170,000 | 280,000 | 370,000 |
| Pretax income | 258,000 | 522,000 | 1,190,000 | 2,069,000 |
| Income tax | 86,000 | 182,000 | 426,000 | 759,000 |
| Net income | 172,000 | 340,000 | 764,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,527,000 | 51,968,000 | 52,563,000 | 53,108,000 |
| Total capital | 54,758,000 | 55,236,000 | 55,972,000 | 56,609,000 |
| Risk-weighted assets | 291,092,000 | 290,742,000 | 291,261,000 | 288,226,000 |
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