Call reports 2007
WINCHESTER CO-OPERATIVE BANK — 2007
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 359,572,000 | 367,965,000 | 376,412,000 | 374,404,000 |
| Total loans | 277,174,000 | 282,012,000 | 287,794,000 | 293,381,000 |
| Allowance for loan losses | 672,000 | 689,000 | 704,000 | 715,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 54,246,000 | 52,061,000 | 44,296,000 | 47,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,896,000 | 298,251,000 | 301,323,000 | 307,339,000 |
| Interest-bearing deposits | 282,791,000 | 287,365,000 | 287,757,000 | 287,747,000 |
| Noninterest-bearing deposits | 10,105,000 | 10,886,000 | 13,566,000 | 19,592,000 |
| Equity capital | 40,465,000 | 41,123,000 | 41,833,000 | 42,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,670,000 | 9,517,000 | 14,432,000 | 19,487,000 |
| Interest expense | 2,282,000 | 4,738,000 | 7,350,000 | 10,034,000 |
| Net interest income | 2,388,000 | 4,779,000 | 7,082,000 | 9,453,000 |
| Noninterest income | 96,000 | 197,000 | 299,000 | 422,000 |
| Noninterest expense | 1,259,000 | 2,681,000 | 3,929,000 | 5,294,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,210,000 | 2,265,000 | 3,407,000 | 4,521,000 |
| Income tax | 460,000 | 856,000 | 1,288,000 | 1,708,000 |
| Net income | 750,000 | 1,409,000 | 2,119,000 | 2,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,465,000 | 41,123,000 | 41,833,000 | 42,527,000 |
| Total capital | 41,137,000 | 41,812,000 | 42,537,000 | 43,242,000 |
| Risk-weighted assets | 191,029,000 | 195,312,000 | 200,149,000 | 202,600,000 |