Call reports 2012
WINCHESTER SAVINGS BANK — 2012
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 528,950,000 | 529,543,000 | 520,542,000 | 513,630,000 |
| Total loans | 312,915,000 | 313,942,000 | 314,383,000 | 324,161,000 |
| Allowance for loan losses | 3,811,000 | 3,826,000 | 3,828,000 | 3,833,000 |
| Securities available for sale | 52,067,000 | 48,339,000 | 42,415,000 | 39,032,000 |
| Securities held to maturity | 94,304,000 | 88,648,000 | 99,153,000 | 92,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,026,000 | 439,694,000 | 431,461,000 | 426,413,000 |
| Interest-bearing deposits | 431,827,000 | 433,972,000 | 425,943,000 | 420,431,000 |
| Noninterest-bearing deposits | 5,199,000 | 5,722,000 | 5,518,000 | 5,982,000 |
| Equity capital | 57,400,000 | 57,910,000 | 57,731,000 | 57,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,521,000 | 8,862,000 | 13,017,000 | 17,129,000 |
| Interest expense | 1,146,000 | 2,194,000 | 3,164,000 | 4,031,000 |
| Net interest income | 3,375,000 | 6,668,000 | 9,853,000 | 13,098,000 |
| Noninterest income | 116,000 | 407,000 | 715,000 | 1,002,000 |
| Noninterest expense | 2,841,000 | 5,681,000 | 8,603,000 | 11,665,000 |
| Provision for loan losses | 90,000 | 100,000 | 100,000 | 101,000 |
| Pretax income | 580,000 | 1,302,000 | 1,999,000 | 2,474,000 |
| Income tax | 149,000 | 357,000 | 583,000 | 731,000 |
| Net income | 431,000 | 945,000 | 1,416,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,398,000 | 57,917,000 | 58,388,000 | 58,715,000 |
| Total capital | 61,005,000 | 61,614,000 | 62,136,000 | 62,464,000 |
| Risk-weighted assets | 279,850,000 | 286,686,000 | 293,524,000 | 293,890,000 |
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