Call reports 2009
WINCHESTER CO-OPERATIVE BANK — 2009
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 424,873,000 | 426,131,000 | 431,260,000 | 441,019,000 |
| Total loans | 302,768,000 | 301,797,000 | 299,281,000 | 302,327,000 |
| Allowance for loan losses | 1,076,000 | 1,183,000 | 1,147,000 | 1,237,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 53,866,000 | 78,832,000 | 84,256,000 | 88,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,487,000 | 378,479,000 | 382,682,000 | 391,347,000 |
| Interest-bearing deposits | 362,728,000 | 364,085,000 | 368,724,000 | 375,779,000 |
| Noninterest-bearing deposits | 14,759,000 | 14,394,000 | 13,958,000 | 15,568,000 |
| Equity capital | 46,236,000 | 46,856,000 | 47,849,000 | 48,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,834,000 | 9,568,000 | 14,386,000 | 19,165,000 |
| Interest expense | 2,002,000 | 3,926,000 | 5,682,000 | 7,273,000 |
| Net interest income | 2,832,000 | 5,642,000 | 8,704,000 | 11,892,000 |
| Noninterest income | 140,000 | 313,000 | 462,000 | 633,000 |
| Noninterest expense | 1,467,000 | 3,350,000 | 4,815,000 | 6,455,000 |
| Provision for loan losses | 64,000 | 172,000 | 326,000 | 518,000 |
| Pretax income | 1,441,000 | 2,433,000 | 4,025,000 | 5,552,000 |
| Income tax | 559,000 | 931,000 | 1,531,000 | 2,107,000 |
| Net income | 882,000 | 1,502,000 | 2,494,000 | 3,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,236,000 | 46,856,000 | 47,849,000 | 48,799,000 |
| Total capital | 47,312,000 | 48,038,000 | 48,996,000 | 50,036,000 |
| Risk-weighted assets | 203,388,000 | 203,939,000 | 202,543,000 | 204,398,000 |