Call reports 2014
WINCHESTER CO-OPERATIVE BANK — 2014
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 567,441,000 | 564,445,000 | 564,209,000 | 570,271,000 |
| Total loans | 363,237,000 | 362,733,000 | 369,477,000 | 371,894,000 |
| Allowance for loan losses | 1,439,000 | 1,439,000 | 1,419,000 | 1,422,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 128,437,000 | 136,043,000 | 140,545,000 | 141,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,458,000 | 497,766,000 | 496,635,000 | 502,075,000 |
| Interest-bearing deposits | 474,821,000 | 473,102,000 | 475,158,000 | 477,057,000 |
| Noninterest-bearing deposits | 26,637,000 | 24,664,000 | 21,477,000 | 25,018,000 |
| Equity capital | 65,234,000 | 66,030,000 | 66,810,000 | 67,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,939,000 | 7,888,000 | 11,830,000 | 15,823,000 |
| Interest expense | 868,000 | 1,744,000 | 2,632,000 | 3,521,000 |
| Net interest income | 3,071,000 | 6,144,000 | 9,198,000 | 12,302,000 |
| Noninterest income | 201,000 | 386,000 | 567,000 | 747,000 |
| Noninterest expense | 1,916,000 | 3,870,000 | 5,826,000 | 7,858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,356,000 | 2,660,000 | 3,939,000 | 5,191,000 |
| Income tax | 529,000 | 1,036,000 | 1,535,000 | 2,022,000 |
| Net income | 827,000 | 1,624,000 | 2,404,000 | 3,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,234,000 | 66,030,000 | 66,810,000 | 67,576,000 |
| Total capital | 66,673,000 | 67,469,000 | 68,229,000 | 68,998,000 |
| Risk-weighted assets | 244,984,000 | 245,696,000 | 251,721,000 | 255,870,000 |