Call reports 2017
WINCHESTER CO-OPERATIVE BANK — 2017
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 630,669,000 | 634,443,000 | 626,739,000 | 614,879,000 |
| Total loans | 444,817,000 | 449,525,000 | 462,167,000 | 471,528,000 |
| Allowance for loan losses | 1,405,000 | 1,404,000 | 1,395,000 | 1,394,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 134,321,000 | 129,037,000 | 122,944,000 | 113,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 553,363,000 | 556,202,000 | 547,114,000 | 534,069,000 |
| Interest-bearing deposits | 511,706,000 | 518,092,000 | 515,734,000 | 503,772,000 |
| Noninterest-bearing deposits | 41,657,000 | 38,109,000 | 31,380,000 | 30,297,000 |
| Equity capital | 76,124,000 | 77,236,000 | 78,567,000 | 79,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,648,000 | 9,417,000 | 14,344,000 | 19,389,000 |
| Interest expense | 840,000 | 1,736,000 | 2,690,000 | 3,700,000 |
| Net interest income | 3,808,000 | 7,681,000 | 11,654,000 | 15,689,000 |
| Noninterest income | 181,000 | 350,000 | 535,000 | 749,000 |
| Noninterest expense | 2,154,000 | 4,386,000 | 6,458,000 | 8,674,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,835,000 | 3,645,000 | 5,731,000 | 7,764,000 |
| Income tax | 689,000 | 1,388,000 | 2,143,000 | 2,857,000 |
| Net income | 1,146,000 | 2,257,000 | 3,588,000 | 4,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,124,000 | 77,236,000 | 78,567,000 | 79,886,000 |
| Total capital | 77,529,000 | 78,640,000 | 79,962,000 | 81,280,000 |
| Risk-weighted assets | 303,368,000 | 311,130,000 | 324,933,000 | 326,341,000 |