Call reports 2023
WINCHESTER SAVINGS BANK — 2023
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 721,240,000 | 746,883,000 | 769,285,000 | 804,901,000 |
| Total loans | 575,005,000 | 602,133,000 | 630,310,000 | 653,823,000 |
| Allowance for loan losses | 5,225,000 | 5,518,000 | 2,925,000 | 3,075,000 |
| Securities available for sale | 27,494,000 | 26,969,000 | 25,582,000 | 28,415,000 |
| Securities held to maturity | 45,963,000 | 44,686,000 | 46,470,000 | 49,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,038,000 | 578,198,000 | 585,875,000 | 603,539,000 |
| Interest-bearing deposits | 513,894,000 | 527,453,000 | 534,725,000 | 552,611,000 |
| Noninterest-bearing deposits | 50,144,000 | 50,745,000 | 51,150,000 | 50,928,000 |
| Equity capital | 73,036,000 | 72,944,000 | 78,032,000 | 79,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,602,000 | 13,900,000 | 21,714,000 | 30,213,000 |
| Interest expense | 2,260,000 | 5,558,000 | 9,589,000 | 14,514,000 |
| Net interest income | 4,342,000 | 8,342,000 | 12,125,000 | 15,699,000 |
| Noninterest income | 242,000 | 500,000 | 766,000 | 1,329,000 |
| Noninterest expense | 3,770,000 | 7,811,000 | 11,448,000 | 15,312,000 |
| Provision for loan losses | 340,000 | 633,000 | 850,000 | 1,000,000 |
| Pretax income | 481,000 | 508,000 | 765,000 | 1,094,000 |
| Income tax | 101,000 | 73,000 | 117,000 | 173,000 |
| Net income | 380,000 | 435,000 | 648,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,250,000 | 80,305,000 | 81,522,000 | 81,795,000 |