Call reports 2022
WINCHESTER SAVINGS BANK — 2022
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 647,618,000 | 631,194,000 | 644,927,000 | 685,436,000 |
| Total loans | 473,833,000 | 479,313,000 | 495,364,000 | 544,492,000 |
| Allowance for loan losses | 4,077,000 | 4,122,000 | 4,285,000 | 4,885,000 |
| Securities available for sale | 32,474,000 | 30,203,000 | 28,735,000 | 28,082,000 |
| Securities held to maturity | 40,196,000 | 45,970,000 | 48,186,000 | 47,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 567,565,000 | 551,487,000 | 548,670,000 | 552,985,000 |
| Interest-bearing deposits | 512,041,000 | 496,347,000 | 494,943,000 | 499,087,000 |
| Noninterest-bearing deposits | 55,524,000 | 55,140,000 | 53,727,000 | 53,898,000 |
| Equity capital | 70,744,000 | 69,734,000 | 71,380,000 | 72,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,362,000 | 8,964,000 | 14,078,000 | 19,948,000 |
| Interest expense | 428,000 | 846,000 | 1,365,000 | 2,410,000 |
| Net interest income | 3,934,000 | 8,118,000 | 12,713,000 | 17,538,000 |
| Noninterest income | 161,000 | 759,000 | 4,282,000 | 4,441,000 |
| Noninterest expense | 3,328,000 | 7,987,000 | 11,519,000 | 15,147,000 |
| Provision for loan losses | 82,000 | 128,000 | 291,000 | 891,000 |
| Pretax income | 554,000 | 309,000 | 4,649,000 | 5,424,000 |
| Income tax | 139,000 | 48,000 | 1,240,000 | 1,438,000 |
| Net income | 415,000 | 261,000 | 3,409,000 | 3,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,593,000 | 76,350,000 | 79,293,000 | 79,870,000 |