Call reports 2012
WINCHESTER CO-OPERATIVE BANK — 2012
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 533,233,000 | 537,955,000 | 540,486,000 | 549,102,000 |
| Total loans | 332,560,000 | 336,943,000 | 346,021,000 | 353,283,000 |
| Allowance for loan losses | 1,746,000 | 1,769,000 | 1,435,000 | 1,434,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,068,000 | 103,468,000 | 101,827,000 | 104,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,846,000 | 476,553,000 | 477,991,000 | 487,932,000 |
| Interest-bearing deposits | 454,832,000 | 457,437,000 | 457,481,000 | 465,592,000 |
| Noninterest-bearing deposits | 18,014,000 | 19,116,000 | 20,511,000 | 22,340,000 |
| Equity capital | 57,800,000 | 58,788,000 | 59,822,000 | 60,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,368,000 | 8,598,000 | 12,715,000 | 16,763,000 |
| Interest expense | 1,098,000 | 2,089,000 | 3,058,000 | 4,006,000 |
| Net interest income | 3,270,000 | 6,509,000 | 9,657,000 | 12,757,000 |
| Noninterest income | 234,000 | 429,000 | 793,000 | 1,195,000 |
| Noninterest expense | 1,819,000 | 3,615,000 | 5,417,000 | 7,270,000 |
| Provision for loan losses | 0 | 23,000 | 35,000 | 35,000 |
| Pretax income | 1,685,000 | 3,300,000 | 4,998,000 | 6,647,000 |
| Income tax | 650,000 | 1,276,000 | 1,940,000 | 2,587,000 |
| Net income | 1,035,000 | 2,024,000 | 3,058,000 | 4,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,800,000 | 58,788,000 | 59,822,000 | 60,824,000 |
| Total capital | 59,546,000 | 60,557,000 | 61,258,000 | 62,258,000 |
| Risk-weighted assets | 224,418,000 | 228,036,000 | 234,355,000 | 236,654,000 |