Call reports 2011
WINCHESTER CO-OPERATIVE BANK — 2011
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 503,272,000 | 509,918,000 | 516,049,000 | 536,976,000 |
| Total loans | 316,523,000 | 324,791,000 | 324,636,000 | 330,456,000 |
| Allowance for loan losses | 1,567,000 | 1,696,000 | 1,746,000 | 1,746,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 92,104,000 | 88,210,000 | 91,339,000 | 99,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,571,000 | 453,273,000 | 458,184,000 | 477,843,000 |
| Interest-bearing deposits | 430,032,000 | 433,827,000 | 439,083,000 | 458,256,000 |
| Noninterest-bearing deposits | 17,539,000 | 19,446,000 | 19,101,000 | 19,587,000 |
| Equity capital | 53,837,000 | 54,626,000 | 55,665,000 | 56,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,453,000 | 8,948,000 | 13,486,000 | 17,821,000 |
| Interest expense | 1,294,000 | 2,577,000 | 3,795,000 | 4,911,000 |
| Net interest income | 3,159,000 | 6,371,000 | 9,691,000 | 12,910,000 |
| Noninterest income | 193,000 | 329,000 | 520,000 | 825,000 |
| Noninterest expense | 1,773,000 | 3,723,000 | 5,493,000 | 7,218,000 |
| Provision for loan losses | 150,000 | 280,000 | 330,000 | 330,000 |
| Pretax income | 1,429,000 | 2,697,000 | 4,388,000 | 6,187,000 |
| Income tax | 543,000 | 1,022,000 | 1,675,000 | 2,374,000 |
| Net income | 886,000 | 1,675,000 | 2,713,000 | 3,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,837,000 | 54,626,000 | 55,665,000 | 56,763,000 |
| Total capital | 55,404,000 | 56,322,000 | 57,411,000 | 58,509,000 |
| Risk-weighted assets | 217,420,000 | 221,271,000 | 220,535,000 | 222,158,000 |