Call reports 2006
WINCHESTER CO-OPERATIVE BANK — 2006
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 361,031,000 | 353,389,000 | 350,672,000 | 351,632,000 |
| Total loans | 252,384,000 | 262,763,000 | 271,143,000 | 274,700,000 |
| Allowance for loan losses | 715,000 | 719,000 | 729,000 | 742,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 88,564,000 | 65,585,000 | 54,416,000 | 54,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,078,000 | 296,303,000 | 285,399,000 | 287,602,000 |
| Interest-bearing deposits | 289,648,000 | 281,891,000 | 272,613,000 | 273,516,000 |
| Noninterest-bearing deposits | 12,430,000 | 14,412,000 | 12,786,000 | 14,086,000 |
| Equity capital | 37,664,000 | 38,227,000 | 39,010,000 | 39,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,176,000 | 8,406,000 | 12,875,000 | 17,458,000 |
| Interest expense | 1,891,000 | 3,812,000 | 5,873,000 | 8,130,000 |
| Net interest income | 2,285,000 | 4,594,000 | 7,002,000 | 9,328,000 |
| Noninterest income | 104,000 | 215,000 | 316,000 | 431,000 |
| Noninterest expense | 1,589,000 | 3,084,000 | 4,305,000 | 5,596,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 785,000 | 1,695,000 | 2,968,000 | 4,103,000 |
| Income tax | 299,000 | 645,000 | 1,135,000 | 1,565,000 |
| Net income | 486,000 | 1,050,000 | 1,833,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,664,000 | 38,227,000 | 39,010,000 | 39,715,000 |
| Total capital | 38,379,000 | 38,946,000 | 39,739,000 | 40,456,000 |
| Risk-weighted assets | 182,479,000 | 185,844,000 | 187,997,000 | 187,682,000 |