Call reports 2002
WINCHESTER CO-OPERATIVE BANK — 2002
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 294,547,000 | 307,672,000 | 311,044,000 | 326,175,000 |
| Total loans | 178,430,000 | 183,236,000 | 188,203,000 | 172,317,000 |
| Allowance for loan losses | 498,000 | 508,000 | 524,000 | 539,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 74,352,000 | 84,756,000 | 86,091,000 | 106,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,541,000 | 279,849,000 | 282,312,000 | 296,874,000 |
| Interest-bearing deposits | 260,457,000 | 271,210,000 | 274,608,000 | 289,213,000 |
| Noninterest-bearing deposits | 7,084,000 | 8,639,000 | 7,704,000 | 7,661,000 |
| Equity capital | 26,384,000 | 27,075,000 | 27,891,000 | 28,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,906,000 | 7,959,000 | 12,028,000 | 15,794,000 |
| Interest expense | 1,997,000 | 3,915,000 | 5,696,000 | 7,418,000 |
| Net interest income | 1,909,000 | 4,044,000 | 6,332,000 | 8,376,000 |
| Noninterest income | 101,000 | 204,000 | 305,000 | 528,000 |
| Noninterest expense | 979,000 | 2,069,000 | 3,103,000 | 4,219,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 40,000 |
| Pretax income | 1,026,000 | 2,164,000 | 3,504,000 | 4,640,000 |
| Income tax | 401,000 | 848,000 | 1,372,000 | 1,816,000 |
| Net income | 625,000 | 1,316,000 | 2,132,000 | 2,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,384,000 | 27,075,000 | 27,891,000 | 28,583,000 |
| Total capital | 26,887,000 | 27,583,000 | 28,414,000 | 29,121,000 |
| Risk-weighted assets | 128,155,000 | 136,673,000 | 136,703,000 | 133,622,000 |