Call reports 2003
WINCHESTER CO-OPERATIVE BANK — 2003
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 342,742,000 | 341,249,000 | 344,376,000 | 336,639,000 |
| Total loans | 165,710,000 | 166,562,000 | 166,508,000 | 176,227,000 |
| Allowance for loan losses | 549,000 | 561,000 | 576,000 | 591,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 131,806,000 | 136,419,000 | 143,297,000 | 118,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,613,000 | 310,608,000 | 311,243,000 | 304,288,000 |
| Interest-bearing deposits | 302,558,000 | 301,217,000 | 301,630,000 | 294,934,000 |
| Noninterest-bearing deposits | 10,055,000 | 9,391,000 | 9,613,000 | 9,354,000 |
| Equity capital | 29,253,000 | 29,719,000 | 30,531,000 | 31,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,534,000 | 6,750,000 | 10,013,000 | 13,275,000 |
| Interest expense | 1,483,000 | 2,865,000 | 4,083,000 | 5,178,000 |
| Net interest income | 2,051,000 | 3,885,000 | 5,930,000 | 8,097,000 |
| Noninterest income | 174,000 | 358,000 | 768,000 | 889,000 |
| Noninterest expense | 1,100,000 | 2,335,000 | 3,422,000 | 4,585,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,106,000 | 1,872,000 | 3,225,000 | 4,335,000 |
| Income tax | 436,000 | 736,000 | 1,277,000 | 1,715,000 |
| Net income | 670,000 | 1,136,000 | 1,948,000 | 2,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,253,000 | 29,719,000 | 30,531,000 | 31,203,000 |
| Total capital | 29,802,000 | 30,280,000 | 31,107,000 | 31,794,000 |
| Risk-weighted assets | 139,868,000 | 146,064,000 | 145,571,000 | 149,928,000 |