Call reports 2014
WINCHESTER SAVINGS BANK — 2014
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 532,639,000 | 534,102,000 | 531,398,000 | 538,478,000 |
| Total loans | 325,279,000 | 333,885,000 | 340,588,000 | 346,786,000 |
| Allowance for loan losses | 3,064,000 | 2,869,000 | 2,873,000 | 2,866,000 |
| Securities available for sale | 45,023,000 | 45,485,000 | 43,985,000 | 42,662,000 |
| Securities held to maturity | 99,404,000 | 101,162,000 | 99,326,000 | 98,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,217,000 | 454,023,000 | 454,258,000 | 460,924,000 |
| Interest-bearing deposits | 444,645,000 | 447,798,000 | 447,683,000 | 454,619,000 |
| Noninterest-bearing deposits | 5,572,000 | 6,225,000 | 6,575,000 | 6,305,000 |
| Equity capital | 60,220,000 | 60,768,000 | 61,367,000 | 61,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,900,000 | 7,851,000 | 11,849,000 | 15,842,000 |
| Interest expense | 856,000 | 1,711,000 | 2,541,000 | 3,338,000 |
| Net interest income | 3,044,000 | 6,140,000 | 9,308,000 | 12,504,000 |
| Noninterest income | 224,000 | 433,000 | 674,000 | 835,000 |
| Noninterest expense | 3,030,000 | 5,964,000 | 8,812,000 | 11,744,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -250,000 |
| Pretax income | 238,000 | 809,000 | 1,370,000 | 1,845,000 |
| Income tax | 76,000 | 253,000 | 433,000 | 583,000 |
| Net income | 162,000 | 556,000 | 937,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,429,000 | 60,823,000 | 61,204,000 | 61,529,000 |
| Total capital | 63,645,000 | 63,850,000 | 64,246,000 | 64,566,000 |
| Risk-weighted assets | 288,677,000 | 286,918,000 | 292,697,000 | 296,909,000 |
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