Call reports 2018
WINCHESTER CO-OPERATIVE BANK — 2018
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 624,974,000 | 630,669,000 | 627,910,000 | 634,827,000 |
| Total loans | 474,931,000 | 482,777,000 | 489,738,000 | 503,351,000 |
| Allowance for loan losses | 1,392,000 | 1,395,000 | 1,396,000 | 1,397,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 115,903,000 | 109,274,000 | 101,898,000 | 93,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,741,000 | 539,673,000 | 525,307,000 | 526,058,000 |
| Interest-bearing deposits | 509,204,000 | 502,867,000 | 491,622,000 | 496,328,000 |
| Noninterest-bearing deposits | 33,537,000 | 36,806,000 | 33,685,000 | 29,730,000 |
| Equity capital | 81,318,000 | 82,758,000 | 84,166,000 | 85,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,136,000 | 10,369,000 | 15,644,000 | 21,151,000 |
| Interest expense | 1,017,000 | 2,100,000 | 3,329,000 | 4,859,000 |
| Net interest income | 4,119,000 | 8,269,000 | 12,315,000 | 16,292,000 |
| Noninterest income | 178,000 | 347,000 | 514,000 | 686,000 |
| Noninterest expense | 2,396,000 | 4,951,000 | 7,241,000 | 9,566,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,901,000 | 3,665,000 | 5,588,000 | 7,412,000 |
| Income tax | 469,000 | 793,000 | 1,308,000 | 1,791,000 |
| Net income | 1,432,000 | 2,872,000 | 4,280,000 | 5,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,318,000 | 82,758,000 | 84,166,000 | 85,507,000 |
| Total capital | 82,710,000 | 84,153,000 | 85,562,000 | 86,904,000 |
| Risk-weighted assets | 329,001,000 | 335,987,000 | 342,551,000 | 346,073,000 |