Call reports 2015
WINCHESTER CO-OPERATIVE BANK — 2015
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 576,825,000 | 585,982,000 | 588,388,000 | 582,394,000 |
| Total loans | 372,423,000 | 372,817,000 | 377,594,000 | 386,446,000 |
| Allowance for loan losses | 1,405,000 | 1,405,000 | 1,407,000 | 1,404,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 141,839,000 | 148,948,000 | 142,418,000 | 152,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,450,000 | 515,799,000 | 517,196,000 | 510,525,000 |
| Interest-bearing deposits | 482,521,000 | 484,807,000 | 486,940,000 | 485,423,000 |
| Noninterest-bearing deposits | 24,929,000 | 30,992,000 | 30,256,000 | 25,102,000 |
| Equity capital | 68,488,000 | 69,321,000 | 70,157,000 | 71,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,999,000 | 8,030,000 | 12,115,000 | 16,223,000 |
| Interest expense | 872,000 | 1,762,000 | 2,652,000 | 3,537,000 |
| Net interest income | 3,127,000 | 6,268,000 | 9,463,000 | 12,686,000 |
| Noninterest income | 211,000 | 420,000 | 637,000 | 853,000 |
| Noninterest expense | 1,836,000 | 3,818,000 | 5,854,000 | 7,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,502,000 | 2,870,000 | 4,246,000 | 5,667,000 |
| Income tax | 590,000 | 1,125,000 | 1,664,000 | 2,221,000 |
| Net income | 912,000 | 1,745,000 | 2,582,000 | 3,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,488,000 | 69,321,000 | 70,157,000 | 71,022,000 |
| Total capital | 69,894,000 | 70,727,000 | 71,564,000 | 72,426,000 |
| Risk-weighted assets | 255,306,000 | 257,512,000 | 258,069,000 | 263,960,000 |