Call reports 2019
WINCHESTER SAVINGS BANK — 2019
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 562,082,000 | 561,967,000 | 552,399,000 | 577,307,000 |
| Total loans | 424,722,000 | 425,152,000 | 425,850,000 | 437,020,000 |
| Allowance for loan losses | 3,424,000 | 3,422,000 | 3,422,000 | 3,422,000 |
| Securities available for sale | 26,964,000 | 26,121,000 | 19,530,000 | 19,822,000 |
| Securities held to maturity | 61,255,000 | 60,281,000 | 57,780,000 | 57,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,289,000 | 476,802,000 | 473,140,000 | 498,226,000 |
| Interest-bearing deposits | 443,363,000 | 442,999,000 | 440,578,000 | 457,252,000 |
| Noninterest-bearing deposits | 33,926,000 | 33,803,000 | 32,562,000 | 40,974,000 |
| Equity capital | 67,099,000 | 67,837,000 | 67,477,000 | 67,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,898,000 | 9,913,000 | 14,876,000 | 19,757,000 |
| Interest expense | 1,243,000 | 2,696,000 | 4,196,000 | 5,701,000 |
| Net interest income | 3,655,000 | 7,217,000 | 10,680,000 | 14,056,000 |
| Noninterest income | 175,000 | 339,000 | 517,000 | 683,000 |
| Noninterest expense | 3,067,000 | 6,104,000 | 9,147,000 | 12,259,000 |
| Provision for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Pretax income | 722,000 | 1,400,000 | 2,024,000 | 2,486,000 |
| Income tax | 165,000 | 317,000 | 454,000 | 545,000 |
| Net income | 557,000 | 1,083,000 | 1,570,000 | 1,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,508,000 | 70,034,000 | 71,453,000 | 71,824,000 |
| Total capital | 73,317,000 | 73,875,000 | 74,875,000 | 75,246,000 |
| Risk-weighted assets | 360,405,000 | 360,417,000 | 362,664,000 | 372,213,000 |