Call reports 2013
WINCHESTER CO-OPERATIVE BANK — 2013
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 548,526,000 | 550,582,000 | 555,489,000 | 559,077,000 |
| Total loans | 354,566,000 | 357,729,000 | 360,773,000 | 362,486,000 |
| Allowance for loan losses | 1,434,000 | 1,444,000 | 1,443,000 | 1,442,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 107,640,000 | 114,942,000 | 122,555,000 | 118,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,314,000 | 487,478,000 | 491,484,000 | 494,341,000 |
| Interest-bearing deposits | 465,669,000 | 466,151,000 | 467,556,000 | 469,933,000 |
| Noninterest-bearing deposits | 20,645,000 | 21,327,000 | 23,928,000 | 24,408,000 |
| Equity capital | 61,852,000 | 62,724,000 | 63,588,000 | 64,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,048,000 | 8,013,000 | 11,933,000 | 15,904,000 |
| Interest expense | 926,000 | 1,843,000 | 2,757,000 | 3,656,000 |
| Net interest income | 3,122,000 | 6,170,000 | 9,176,000 | 12,248,000 |
| Noninterest income | 372,000 | 651,000 | 904,000 | 1,072,000 |
| Noninterest expense | 1,802,000 | 3,690,000 | 5,531,000 | 7,432,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 1,692,000 | 3,121,000 | 4,539,000 | 5,878,000 |
| Income tax | 664,000 | 1,221,000 | 1,775,000 | 2,296,000 |
| Net income | 1,028,000 | 1,900,000 | 2,764,000 | 3,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,852,000 | 62,724,000 | 63,588,000 | 64,406,000 |
| Total capital | 63,286,000 | 64,168,000 | 65,031,000 | 65,848,000 |
| Risk-weighted assets | 236,842,000 | 238,693,000 | 241,340,000 | 243,962,000 |