Call reports 2013
WINCHESTER SAVINGS BANK — 2013
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 504,235,000 | 508,792,000 | 515,253,000 | 527,516,000 |
| Total loans | 318,351,000 | 319,031,000 | 320,486,000 | 325,166,000 |
| Allowance for loan losses | 3,311,000 | 3,049,000 | 3,053,000 | 3,057,000 |
| Securities available for sale | 40,190,000 | 39,715,000 | 41,369,000 | 46,004,000 |
| Securities held to maturity | 91,038,000 | 84,814,000 | 93,680,000 | 97,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,893,000 | 421,598,000 | 430,238,000 | 443,360,000 |
| Interest-bearing deposits | 411,403,000 | 415,752,000 | 424,445,000 | 435,909,000 |
| Noninterest-bearing deposits | 5,490,000 | 5,846,000 | 5,793,000 | 7,451,000 |
| Equity capital | 58,640,000 | 58,575,000 | 59,805,000 | 59,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,004,000 | 7,821,000 | 11,607,000 | 15,447,000 |
| Interest expense | 795,000 | 1,594,000 | 2,441,000 | 3,309,000 |
| Net interest income | 3,209,000 | 6,227,000 | 9,166,000 | 12,138,000 |
| Noninterest income | 224,000 | 464,000 | 640,000 | 843,000 |
| Noninterest expense | 2,968,000 | 5,873,000 | 8,610,000 | 11,470,000 |
| Provision for loan losses | -500,000 | -765,000 | -765,000 | -765,000 |
| Pretax income | 968,000 | 1,586,000 | 1,971,000 | 2,286,000 |
| Income tax | 323,000 | 518,000 | 639,000 | 735,000 |
| Net income | 645,000 | 1,068,000 | 1,332,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,360,000 | 59,783,000 | 60,047,000 | 60,266,000 |
| Total capital | 62,761,000 | 62,953,000 | 63,234,000 | 63,486,000 |
| Risk-weighted assets | 283,600,000 | 283,073,000 | 282,785,000 | 288,878,000 |
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