Call reports 2010
WINCHESTER SAVINGS BANK — 2010
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 515,480,000 | 527,223,000 | 526,443,000 | 531,429,000 |
| Total loans | 335,471,000 | 336,657,000 | 333,350,000 | 325,479,000 |
| Allowance for loan losses | 3,515,000 | 3,523,000 | 3,714,000 | 3,775,000 |
| Securities available for sale | 39,152,000 | 37,182,000 | 39,475,000 | 41,967,000 |
| Securities held to maturity | 83,282,000 | 85,647,000 | 89,835,000 | 91,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,782,000 | 426,012,000 | 428,217,000 | 436,677,000 |
| Interest-bearing deposits | 411,491,000 | 421,277,000 | 423,572,000 | 431,360,000 |
| Noninterest-bearing deposits | 5,291,000 | 4,735,000 | 4,645,000 | 5,317,000 |
| Equity capital | 53,117,000 | 53,418,000 | 54,010,000 | 53,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,342,000 | 10,692,000 | 15,925,000 | 20,901,000 |
| Interest expense | 1,883,000 | 3,608,000 | 5,268,000 | 6,824,000 |
| Net interest income | 3,459,000 | 7,084,000 | 10,657,000 | 14,077,000 |
| Noninterest income | 150,000 | 415,000 | 584,000 | 831,000 |
| Noninterest expense | 2,918,000 | 5,952,000 | 8,769,000 | 11,707,000 |
| Provision for loan losses | 45,000 | 95,000 | 226,000 | 286,000 |
| Pretax income | 669,000 | 1,487,000 | 2,314,000 | 2,988,000 |
| Income tax | 233,000 | 547,000 | 839,000 | 1,080,000 |
| Net income | 436,000 | 940,000 | 1,475,000 | 1,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,545,000 | 54,047,000 | 54,582,000 | 55,014,000 |
| Total capital | 57,128,000 | 57,588,000 | 58,232,000 | 58,646,000 |
| Risk-weighted assets | 290,042,000 | 292,674,000 | 287,722,000 | 285,606,000 |
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