Call reports 2015
WINCHESTER SAVINGS BANK — 2015
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 530,491,000 | 531,041,000 | 523,970,000 | 529,140,000 |
| Total loans | 349,474,000 | 352,245,000 | 364,567,000 | 372,233,000 |
| Allowance for loan losses | 2,870,000 | 2,812,000 | 2,816,000 | 2,819,000 |
| Securities available for sale | 42,877,000 | 40,872,000 | 39,166,000 | 38,843,000 |
| Securities held to maturity | 95,257,000 | 87,108,000 | 85,966,000 | 81,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,414,000 | 452,571,000 | 441,695,000 | 442,968,000 |
| Interest-bearing deposits | 444,964,000 | 445,204,000 | 435,129,000 | 436,321,000 |
| Noninterest-bearing deposits | 7,450,000 | 7,367,000 | 6,566,000 | 6,647,000 |
| Equity capital | 62,225,000 | 62,304,000 | 62,601,000 | 62,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,991,000 | 7,930,000 | 11,910,000 | 15,932,000 |
| Interest expense | 742,000 | 1,469,000 | 2,191,000 | 2,932,000 |
| Net interest income | 3,249,000 | 6,461,000 | 9,719,000 | 13,000,000 |
| Noninterest income | 192,000 | 420,000 | 643,000 | 891,000 |
| Noninterest expense | 3,039,000 | 6,122,000 | 9,041,000 | 11,960,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 513,000 | 865,000 | 1,421,000 | 2,076,000 |
| Income tax | 153,000 | 242,000 | 420,000 | 628,000 |
| Net income | 360,000 | 623,000 | 1,001,000 | 1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,889,000 | 62,152,000 | 62,530,000 | 62,977,000 |
| Total capital | 64,922,000 | 65,121,000 | 65,458,000 | 65,926,000 |
| Risk-weighted assets | 307,045,000 | 332,370,000 | 331,874,000 | 338,361,000 |