Call reports 2024
WINCHESTER SAVINGS BANK — 2024
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 819,254,000 | 852,425,000 | 873,432,000 | 895,055,000 |
| Total loans | 658,950,000 | 685,606,000 | 711,767,000 | 729,125,000 |
| Allowance for loan losses | 3,175,000 | 3,451,000 | 3,359,000 | 3,635,000 |
| Securities available for sale | 31,199,000 | 31,090,000 | 28,556,000 | 32,953,000 |
| Securities held to maturity | 52,404,000 | 55,548,000 | 58,078,000 | 52,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,887,000 | 637,397,000 | 644,342,000 | 663,157,000 |
| Interest-bearing deposits | 558,695,000 | 584,796,000 | 595,914,000 | 611,272,000 |
| Noninterest-bearing deposits | 50,192,000 | 52,601,000 | 48,428,000 | 51,885,000 |
| Equity capital | 79,311,000 | 79,402,000 | 80,232,000 | 80,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,047,000 | 18,581,000 | 28,815,000 | 39,331,000 |
| Interest expense | 5,575,000 | 11,533,000 | 17,996,000 | 24,472,000 |
| Net interest income | 3,472,000 | 7,048,000 | 10,819,000 | 14,859,000 |
| Noninterest income | 253,000 | 574,000 | 900,000 | 1,226,000 |
| Noninterest expense | 3,671,000 | 7,383,000 | 11,319,000 | 15,085,000 |
| Provision for loan losses | 100,000 | 376,000 | 1,649,000 | 1,887,000 |
| Pretax income | 173,000 | 168,000 | -662,000 | -248,000 |
| Income tax | -19,000 | -132,000 | -330,000 | -289,000 |
| Net income | 192,000 | 300,000 | -332,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,986,000 | 82,094,000 | 81,462,000 | 81,835,000 |