Call reports 2017
WINCHESTER SAVINGS BANK — 2017
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 549,344,000 | 540,107,000 | 539,530,000 | 529,017,000 |
| Total loans | 390,415,000 | 387,510,000 | 388,721,000 | 390,369,000 |
| Allowance for loan losses | 3,113,000 | 3,114,000 | 3,134,000 | 3,135,000 |
| Securities available for sale | 31,394,000 | 29,700,000 | 33,907,000 | 30,632,000 |
| Securities held to maturity | 71,020,000 | 68,953,000 | 65,780,000 | 65,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,499,000 | 454,013,000 | 460,583,000 | 452,768,000 |
| Interest-bearing deposits | 431,007,000 | 422,538,000 | 427,391,000 | 418,680,000 |
| Noninterest-bearing deposits | 31,492,000 | 31,475,000 | 33,192,000 | 34,088,000 |
| Equity capital | 62,785,000 | 63,287,000 | 64,521,000 | 64,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,157,000 | 8,317,000 | 12,526,000 | 16,741,000 |
| Interest expense | 687,000 | 1,393,000 | 2,085,000 | 2,771,000 |
| Net interest income | 3,470,000 | 6,924,000 | 10,441,000 | 13,970,000 |
| Noninterest income | 172,000 | 350,000 | 523,000 | 716,000 |
| Noninterest expense | 3,063,000 | 5,990,000 | 8,753,000 | 11,667,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 579,000 | 1,284,000 | 2,218,000 | 3,027,000 |
| Income tax | 187,000 | 418,000 | 704,000 | 1,528,000 |
| Net income | 392,000 | 866,000 | 1,514,000 | 1,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,121,000 | 65,595,000 | 66,243,000 | 66,569,000 |
| Total capital | 68,449,000 | 68,931,000 | 69,631,000 | 69,998,000 |
| Risk-weighted assets | 356,548,000 | 342,717,000 | 343,861,000 | 342,410,000 |