Call reports 2010
WINCHESTER CO-OPERATIVE BANK — 2010
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 470,760,000 | 476,673,000 | 482,581,000 | 488,246,000 |
| Total loans | 306,645,000 | 311,902,000 | 317,736,000 | 319,291,000 |
| Allowance for loan losses | 1,369,000 | 1,481,000 | 1,556,000 | 1,529,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 87,027,000 | 93,066,000 | 87,713,000 | 87,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,844,000 | 424,528,000 | 429,111,000 | 433,668,000 |
| Interest-bearing deposits | 404,091,000 | 406,173,000 | 409,549,000 | 415,502,000 |
| Noninterest-bearing deposits | 15,753,000 | 18,354,000 | 19,562,000 | 18,166,000 |
| Equity capital | 49,857,000 | 50,831,000 | 51,903,000 | 52,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,750,000 | 9,494,000 | 14,250,000 | 18,733,000 |
| Interest expense | 1,451,000 | 2,855,000 | 4,229,000 | 5,565,000 |
| Net interest income | 3,299,000 | 6,639,000 | 10,021,000 | 13,168,000 |
| Noninterest income | 130,000 | 275,000 | 436,000 | 740,000 |
| Noninterest expense | 1,588,000 | 3,389,000 | 5,119,000 | 6,860,000 |
| Provision for loan losses | 132,000 | 244,000 | 319,000 | 319,000 |
| Pretax income | 1,709,000 | 3,281,000 | 5,019,000 | 6,729,000 |
| Income tax | 652,000 | 1,249,000 | 1,915,000 | 2,577,000 |
| Net income | 1,057,000 | 2,032,000 | 3,104,000 | 4,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,857,000 | 50,831,000 | 51,903,000 | 52,952,000 |
| Total capital | 51,225,000 | 52,312,000 | 53,459,000 | 54,481,000 |
| Risk-weighted assets | 209,710,000 | 214,002,000 | 214,674,000 | 216,567,000 |