Call reports 2025
WINCHESTER SAVINGS BANK — 2025
What WINCHESTER SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 923,745,000 | 935,229,000 | 991,602,000 | 1,004,555,000 |
| Total loans | 731,525,000 | 755,611,000 | 797,757,000 | 804,753,000 |
| Allowance for loan losses | 3,600,000 | 4,151,000 | 4,356,000 | 4,396,000 |
| Securities available for sale | 34,986,000 | 39,275,000 | 47,040,000 | 57,046,000 |
| Securities held to maturity | 51,778,000 | 51,198,000 | 55,135,000 | 54,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 705,256,000 | 681,992,000 | 720,277,000 | 752,233,000 |
| Interest-bearing deposits | 650,260,000 | 625,482,000 | 655,013,000 | 684,136,000 |
| Noninterest-bearing deposits | 54,996,000 | 56,510,000 | 65,264,000 | 68,097,000 |
| Equity capital | 80,914,000 | 96,547,000 | 98,038,000 | 99,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,676,000 | 22,035,000 | 33,825,000 | 46,115,000 |
| Interest expense | 6,240,000 | 12,253,000 | 18,449,000 | 24,800,000 |
| Net interest income | 4,436,000 | 9,782,000 | 15,376,000 | 21,315,000 |
| Noninterest income | 307,000 | 633,000 | 965,000 | 1,303,000 |
| Noninterest expense | 4,321,000 | 8,857,000 | 13,617,000 | 18,285,000 |
| Provision for loan losses | 15,000 | 556,000 | 1,031,000 | 1,382,000 |
| Pretax income | 372,000 | 1,045,000 | 2,213,000 | 3,435,000 |
| Income tax | 67,000 | 136,000 | 467,000 | 685,000 |
| Net income | 305,000 | 909,000 | 1,746,000 | 2,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,140,000 | 98,275,000 | 99,176,000 | 100,220,000 |