Call reports 2016
WINCHESTER SAVINGS BANK — 2016
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 540,715,000 | 541,364,000 | 543,057,000 | 558,865,000 |
| Total loans | 375,594,000 | 384,938,000 | 386,786,000 | 389,761,000 |
| Allowance for loan losses | 2,823,000 | 2,877,000 | 2,998,000 | 3,112,000 |
| Securities available for sale | 39,204,000 | 39,909,000 | 33,580,000 | 31,761,000 |
| Securities held to maturity | 71,006,000 | 67,267,000 | 67,087,000 | 67,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,886,000 | 449,366,000 | 453,380,000 | 469,355,000 |
| Interest-bearing deposits | 443,527,000 | 443,091,000 | 445,900,000 | 425,017,000 |
| Noninterest-bearing deposits | 6,359,000 | 6,275,000 | 7,480,000 | 44,338,000 |
| Equity capital | 62,801,000 | 63,199,000 | 62,071,000 | 62,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,077,000 | 8,187,000 | 12,299,000 | 16,416,000 |
| Interest expense | 742,000 | 1,482,000 | 2,198,000 | 2,915,000 |
| Net interest income | 3,335,000 | 6,705,000 | 10,101,000 | 13,501,000 |
| Noninterest income | 276,000 | 559,000 | 873,000 | 1,158,000 |
| Noninterest expense | 3,115,000 | 6,239,000 | 9,180,000 | 12,144,000 |
| Provision for loan losses | 0 | 151,000 | 268,000 | 294,000 |
| Pretax income | 608,000 | 1,274,000 | 1,943,000 | 2,605,000 |
| Income tax | 192,000 | 416,000 | 634,000 | 853,000 |
| Net income | 416,000 | 858,000 | 1,309,000 | 1,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,393,000 | 63,835,000 | 64,286,000 | 64,729,000 |
| Total capital | 66,356,000 | 66,858,000 | 67,440,000 | 68,037,000 |
| Risk-weighted assets | 341,623,000 | 357,242,000 | 357,022,000 | 358,983,000 |
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