Call reports 2016
WINCHESTER CO-OPERATIVE BANK — 2016
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 596,885,000 | 597,845,000 | 603,531,000 | 601,214,000 |
| Total loans | 385,939,000 | 391,873,000 | 410,320,000 | 436,624,000 |
| Allowance for loan losses | 1,404,000 | 1,403,000 | 1,404,000 | 1,405,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 144,271,000 | 145,711,000 | 136,586,000 | 131,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,832,000 | 523,930,000 | 528,781,000 | 525,348,000 |
| Interest-bearing deposits | 496,252,000 | 495,894,000 | 498,788,000 | 491,650,000 |
| Noninterest-bearing deposits | 27,580,000 | 28,036,000 | 29,993,000 | 33,698,000 |
| Equity capital | 72,014,000 | 72,971,000 | 73,908,000 | 74,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,227,000 | 8,481,000 | 12,764,000 | 17,235,000 |
| Interest expense | 864,000 | 1,726,000 | 2,595,000 | 3,426,000 |
| Net interest income | 3,363,000 | 6,755,000 | 10,169,000 | 13,809,000 |
| Noninterest income | 198,000 | 387,000 | 572,000 | 781,000 |
| Noninterest expense | 1,925,000 | 3,962,000 | 6,067,000 | 8,224,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,636,000 | 3,180,000 | 4,674,000 | 6,366,000 |
| Income tax | 644,000 | 1,231,000 | 1,789,000 | 2,409,000 |
| Net income | 992,000 | 1,949,000 | 2,885,000 | 3,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,014,000 | 72,971,000 | 73,908,000 | 74,979,000 |
| Total capital | 73,418,000 | 74,374,000 | 75,312,000 | 76,384,000 |
| Risk-weighted assets | 263,700,000 | 272,797,000 | 285,448,000 | 302,853,000 |