Call reports 2019
WINCHESTER CO-OPERATIVE BANK — 2019
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 654,087,000 | 664,217,000 | 682,949,000 | 705,345,000 |
| Total loans | 505,210,000 | 503,710,000 | 508,778,000 | 508,233,000 |
| Allowance for loan losses | 1,397,000 | 1,397,000 | 1,397,000 | 1,392,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 88,651,000 | 85,034,000 | 81,143,000 | 81,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 543,922,000 | 558,384,000 | 575,857,000 | 597,203,000 |
| Interest-bearing deposits | 514,489,000 | 530,205,000 | 546,840,000 | 559,840,000 |
| Noninterest-bearing deposits | 29,433,000 | 28,179,000 | 29,018,000 | 37,362,000 |
| Equity capital | 86,494,000 | 87,507,000 | 88,635,000 | 89,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,663,000 | 11,449,000 | 17,253,000 | 23,053,000 |
| Interest expense | 1,714,000 | 3,625,000 | 5,658,000 | 7,750,000 |
| Net interest income | 3,949,000 | 7,824,000 | 11,595,000 | 15,303,000 |
| Noninterest income | 170,000 | 332,000 | 509,000 | 796,000 |
| Noninterest expense | 2,785,000 | 5,449,000 | 7,866,000 | 10,363,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,334,000 | 2,707,000 | 4,238,000 | 5,736,000 |
| Income tax | 346,000 | 706,000 | 1,110,000 | 1,496,000 |
| Net income | 988,000 | 2,001,000 | 3,128,000 | 4,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,495,000 | 87,507,000 | 88,635,000 | 89,747,000 |
| Total capital | 87,892,000 | 88,904,000 | 90,032,000 | 91,139,000 |
| Risk-weighted assets | 348,538,000 | 344,694,000 | 351,396,000 | 345,457,000 |