Call reports 2008
WINCHESTER CO-OPERATIVE BANK — 2008
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 383,692,000 | 386,693,000 | 396,246,000 | 400,741,000 |
| Total loans | 289,136,000 | 294,700,000 | 300,377,000 | 308,663,000 |
| Allowance for loan losses | 730,000 | 738,000 | 862,000 | 1,012,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,483,000 | 48,907,000 | 49,277,000 | 54,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,115,000 | 331,017,000 | 339,889,000 | 354,646,000 |
| Interest-bearing deposits | 306,717,000 | 311,350,000 | 318,729,000 | 337,967,000 |
| Noninterest-bearing deposits | 13,398,000 | 19,667,000 | 21,160,000 | 16,679,000 |
| Equity capital | 43,194,000 | 43,917,000 | 44,633,000 | 45,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,956,000 | 9,762,000 | 14,459,000 | 19,335,000 |
| Interest expense | 2,664,000 | 5,009,000 | 7,213,000 | 9,433,000 |
| Net interest income | 2,292,000 | 4,753,000 | 7,246,000 | 9,902,000 |
| Noninterest income | 106,000 | 205,000 | 300,000 | 410,000 |
| Noninterest expense | 1,312,000 | 2,676,000 | 3,980,000 | 5,423,000 |
| Provision for loan losses | 15,000 | 35,000 | 158,000 | 316,000 |
| Pretax income | 1,071,000 | 2,247,000 | 3,408,000 | 4,573,000 |
| Income tax | 404,000 | 857,000 | 1,302,000 | 1,746,000 |
| Net income | 667,000 | 1,390,000 | 2,106,000 | 2,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,194,000 | 43,917,000 | 44,633,000 | 45,354,000 |
| Total capital | 43,924,000 | 44,655,000 | 45,494,000 | 46,366,000 |
| Risk-weighted assets | 202,544,000 | 205,425,000 | 207,970,000 | 209,896,000 |