Call reports 2021
WINCHESTER SAVINGS BANK — 2021
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 611,097,000 | 605,335,000 | 603,697,000 | 627,989,000 |
| Total loans | 454,487,000 | 453,545,000 | 456,517,000 | 463,550,000 |
| Allowance for loan losses | 3,944,000 | 3,944,000 | 3,944,000 | 3,994,000 |
| Securities available for sale | 20,914,000 | 26,664,000 | 33,060,000 | 34,810,000 |
| Securities held to maturity | 24,005,000 | 28,025,000 | 36,439,000 | 37,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,151,000 | 528,984,000 | 526,838,000 | 548,281,000 |
| Interest-bearing deposits | 486,112,000 | 481,081,000 | 479,100,000 | 496,877,000 |
| Noninterest-bearing deposits | 49,039,000 | 47,903,000 | 47,738,000 | 51,404,000 |
| Equity capital | 68,539,000 | 69,193,000 | 70,916,000 | 71,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,265,000 | 8,434,000 | 12,676,000 | 16,978,000 |
| Interest expense | 726,000 | 1,282,000 | 1,768,000 | 2,230,000 |
| Net interest income | 3,539,000 | 7,152,000 | 10,908,000 | 14,748,000 |
| Noninterest income | 241,000 | 417,000 | 606,000 | 781,000 |
| Noninterest expense | 3,173,000 | 6,343,000 | 9,448,000 | 12,629,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 756,000 | 1,554,000 | 2,425,000 | 3,405,000 |
| Income tax | 186,000 | 382,000 | 608,000 | 851,000 |
| Net income | 570,000 | 1,172,000 | 1,817,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,194,000 | 74,796,000 | 75,235,000 | 76,178,000 |