Call reports 2005
WINCHESTER CO-OPERATIVE BANK — 2005
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 351,417,000 | 364,549,000 | 373,195,000 | 366,914,000 |
| Total loans | 213,813,000 | 227,101,000 | 239,893,000 | 249,929,000 |
| Allowance for loan losses | 665,000 | 676,000 | 689,000 | 702,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 120,214,000 | 119,689,000 | 107,468,000 | 102,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,510,000 | 304,458,000 | 299,751,000 | 295,506,000 |
| Interest-bearing deposits | 297,537,000 | 293,567,000 | 287,377,000 | 284,418,000 |
| Noninterest-bearing deposits | 9,973,000 | 10,891,000 | 12,374,000 | 11,088,000 |
| Equity capital | 35,110,000 | 35,784,000 | 36,547,000 | 37,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,612,000 | 7,332,000 | 11,256,000 | 15,304,000 |
| Interest expense | 1,091,000 | 2,417,000 | 3,976,000 | 5,780,000 |
| Net interest income | 2,521,000 | 4,915,000 | 7,280,000 | 9,524,000 |
| Noninterest income | 103,000 | 214,000 | 329,000 | 443,000 |
| Noninterest expense | 1,190,000 | 2,567,000 | 3,768,000 | 5,076,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,419,000 | 2,532,000 | 3,796,000 | 4,831,000 |
| Income tax | 564,000 | 1,003,000 | 1,504,000 | 1,909,000 |
| Net income | 855,000 | 1,529,000 | 2,292,000 | 2,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,110,000 | 35,784,000 | 36,547,000 | 37,177,000 |
| Total capital | 35,775,000 | 36,460,000 | 37,236,000 | 37,879,000 |
| Risk-weighted assets | 165,260,000 | 175,625,000 | 181,202,000 | 183,879,000 |