Call reports 2011
WINCHESTER SAVINGS BANK — 2011
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 532,981,000 | 533,609,000 | 537,164,000 | 532,552,000 |
| Total loans | 320,949,000 | 318,325,000 | 313,539,000 | 311,355,000 |
| Allowance for loan losses | 3,728,000 | 3,749,000 | 3,718,000 | 3,718,000 |
| Securities available for sale | 44,040,000 | 43,939,000 | 47,494,000 | 48,702,000 |
| Securities held to maturity | 96,136,000 | 103,087,000 | 101,066,000 | 98,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,760,000 | 442,285,000 | 440,046,000 | 439,797,000 |
| Interest-bearing deposits | 434,080,000 | 437,634,000 | 434,101,000 | 417,988,000 |
| Noninterest-bearing deposits | 4,680,000 | 4,651,000 | 5,945,000 | 21,809,000 |
| Equity capital | 54,177,000 | 55,345,000 | 56,198,000 | 56,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,901,000 | 9,731,000 | 14,521,000 | 19,170,000 |
| Interest expense | 1,472,000 | 2,876,000 | 4,244,000 | 5,502,000 |
| Net interest income | 3,429,000 | 6,855,000 | 10,277,000 | 13,668,000 |
| Noninterest income | 155,000 | 292,000 | 467,000 | 611,000 |
| Noninterest expense | 2,988,000 | 5,893,000 | 8,596,000 | 11,440,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 566,000 | 1,204,000 | 2,173,000 | 2,904,000 |
| Income tax | 201,000 | 348,000 | 703,000 | 959,000 |
| Net income | 365,000 | 856,000 | 1,470,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,378,000 | 55,872,000 | 56,486,000 | 56,967,000 |
| Total capital | 59,024,000 | 59,448,000 | 59,971,000 | 60,501,000 |
| Risk-weighted assets | 284,790,000 | 279,716,000 | 276,638,000 | 276,999,000 |
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