Call reports 2020
WINCHESTER CO-OPERATIVE BANK — 2020
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 710,734,000 | 741,110,000 | 739,140,000 | 752,219,000 |
| Total loans | 502,992,000 | 498,038,000 | 487,554,000 | 474,048,000 |
| Allowance for loan losses | 1,392,000 | 1,389,000 | 1,389,000 | 1,389,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 78,680,000 | 75,224,000 | 81,977,000 | 74,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 607,422,000 | 637,047,000 | 634,115,000 | 646,199,000 |
| Interest-bearing deposits | 576,681,000 | 602,442,000 | 600,490,000 | 610,376,000 |
| Noninterest-bearing deposits | 30,740,000 | 34,605,000 | 33,625,000 | 35,823,000 |
| Equity capital | 89,970,000 | 90,688,000 | 91,547,000 | 92,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,679,000 | 10,822,000 | 15,710,000 | 20,469,000 |
| Interest expense | 1,989,000 | 3,907,000 | 5,540,000 | 6,982,000 |
| Net interest income | 3,690,000 | 6,915,000 | 10,170,000 | 13,487,000 |
| Noninterest income | 490,000 | 793,000 | 1,324,000 | 1,911,000 |
| Noninterest expense | 3,905,000 | 6,448,000 | 9,062,000 | 11,657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 275,000 | 1,260,000 | 2,432,000 | 3,741,000 |
| Income tax | 52,000 | 319,000 | 632,000 | 980,000 |
| Net income | 223,000 | 941,000 | 1,800,000 | 2,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,970,000 | 90,688,000 | 91,547,000 | 92,508,000 |