Call reports 2020
WINCHESTER SAVINGS BANK — 2020
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 574,839,000 | 596,960,000 | 594,712,000 | 595,889,000 |
| Total loans | 445,957,000 | 457,078,000 | 460,298,000 | 455,965,000 |
| Allowance for loan losses | 3,557,000 | 3,827,000 | 3,928,000 | 3,944,000 |
| Securities available for sale | 18,843,000 | 23,069,000 | 21,763,000 | 19,427,000 |
| Securities held to maturity | 31,795,000 | 24,767,000 | 24,159,000 | 22,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,462,000 | 522,059,000 | 518,882,000 | 520,025,000 |
| Interest-bearing deposits | 456,411,000 | 473,990,000 | 470,412,000 | 474,705,000 |
| Noninterest-bearing deposits | 44,051,000 | 48,069,000 | 48,470,000 | 45,320,000 |
| Equity capital | 67,905,000 | 68,841,000 | 67,383,000 | 68,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,899,000 | 9,483,000 | 13,996,000 | 18,399,000 |
| Interest expense | 1,342,000 | 2,526,000 | 3,514,000 | 4,358,000 |
| Net interest income | 3,557,000 | 6,957,000 | 10,482,000 | 14,041,000 |
| Noninterest income | 152,000 | 289,000 | 451,000 | 639,000 |
| Noninterest expense | 2,971,000 | 5,877,000 | 8,887,000 | 12,006,000 |
| Provision for loan losses | 137,000 | 407,000 | 508,000 | 524,000 |
| Pretax income | 337,000 | 892,000 | 1,533,000 | 2,355,000 |
| Income tax | 81,000 | 199,000 | 355,000 | 555,000 |
| Net income | 256,000 | 693,000 | 1,178,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,080,000 | 72,517,000 | 73,002,000 | 73,624,000 |