Call reports 2004
WINCHESTER CO-OPERATIVE BANK — 2004
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 343,541,000 | 341,787,000 | 343,058,000 | 338,276,000 |
| Total loans | 180,736,000 | 188,099,000 | 198,958,000 | 203,830,000 |
| Allowance for loan losses | 606,000 | 621,000 | 635,000 | 650,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 120,286,000 | 134,685,000 | 124,860,000 | 122,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,335,000 | 308,608,000 | 304,699,000 | 303,243,000 |
| Interest-bearing deposits | 302,228,000 | 299,323,000 | 295,540,000 | 291,484,000 |
| Noninterest-bearing deposits | 8,107,000 | 9,285,000 | 9,159,000 | 11,759,000 |
| Equity capital | 31,923,000 | 32,628,000 | 33,440,000 | 34,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,228,000 | 6,583,000 | 10,037,000 | 13,520,000 |
| Interest expense | 1,006,000 | 2,006,000 | 3,014,000 | 4,028,000 |
| Net interest income | 2,222,000 | 4,577,000 | 7,023,000 | 9,492,000 |
| Noninterest income | 107,000 | 231,000 | 339,000 | 454,000 |
| Noninterest expense | 1,119,000 | 2,413,000 | 3,605,000 | 4,822,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,195,000 | 2,365,000 | 3,712,000 | 5,064,000 |
| Income tax | 475,000 | 940,000 | 1,475,000 | 2,011,000 |
| Net income | 720,000 | 1,425,000 | 2,237,000 | 3,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,923,000 | 32,628,000 | 33,440,000 | 34,256,000 |
| Total capital | 32,529,000 | 33,249,000 | 34,075,000 | 34,906,000 |
| Risk-weighted assets | 152,711,000 | 151,322,000 | 154,641,000 | 158,096,000 |