Call reports 2018
WINCHESTER SAVINGS BANK — 2018
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 532,977,000 | 537,497,000 | 542,244,000 | 542,386,000 |
| Total loans | 398,494,000 | 403,805,000 | 418,867,000 | 422,196,000 |
| Allowance for loan losses | 3,137,000 | 3,159,000 | 3,355,000 | 3,371,000 |
| Securities available for sale | 30,668,000 | 27,261,000 | 26,859,000 | 26,601,000 |
| Securities held to maturity | 67,004,000 | 65,778,000 | 65,007,000 | 62,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,551,000 | 461,777,000 | 461,231,000 | 460,034,000 |
| Interest-bearing deposits | 424,026,000 | 426,989,000 | 428,685,000 | 425,660,000 |
| Noninterest-bearing deposits | 32,525,000 | 34,788,000 | 32,546,000 | 34,374,000 |
| Equity capital | 64,735,000 | 65,284,000 | 65,436,000 | 66,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,299,000 | 8,722,000 | 13,328,000 | 18,108,000 |
| Interest expense | 694,000 | 1,495,000 | 2,387,000 | 3,417,000 |
| Net interest income | 3,605,000 | 7,227,000 | 10,941,000 | 14,691,000 |
| Noninterest income | 163,000 | 316,000 | 487,000 | 653,000 |
| Noninterest expense | 3,033,000 | 6,039,000 | 8,883,000 | 11,902,000 |
| Provision for loan losses | 0 | 20,000 | 215,000 | 230,000 |
| Pretax income | 713,000 | 1,462,000 | 2,308,000 | 3,165,000 |
| Income tax | 184,000 | 373,000 | 576,000 | 783,000 |
| Net income | 529,000 | 1,089,000 | 1,732,000 | 2,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,098,000 | 67,658,000 | 68,301,000 | 68,951,000 |
| Total capital | 70,544,000 | 71,143,000 | 72,041,000 | 72,645,000 |
| Risk-weighted assets | 347,735,000 | 352,152,000 | 358,276,000 | 357,649,000 |
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