Call reports 2021
WINCHESTER CO-OPERATIVE BANK — 2021
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 767,880,000 | 768,745,000 | 772,411,000 | 798,947,000 |
| Total loans | 472,642,000 | 491,255,000 | 479,223,000 | 472,672,000 |
| Allowance for loan losses | 1,389,000 | 1,388,000 | 1,348,000 | 1,348,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 73,745,000 | 75,570,000 | 72,724,000 | 80,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,953,000 | 661,073,000 | 668,863,000 | 699,518,000 |
| Interest-bearing deposits | 620,964,000 | 618,544,000 | 624,954,000 | 656,573,000 |
| Noninterest-bearing deposits | 39,990,000 | 42,529,000 | 43,909,000 | 42,945,000 |
| Equity capital | 93,332,000 | 94,108,000 | 94,881,000 | 95,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,470,000 | 8,901,000 | 13,357,000 | 17,688,000 |
| Interest expense | 1,212,000 | 2,238,000 | 3,136,000 | 3,930,000 |
| Net interest income | 3,258,000 | 6,663,000 | 10,221,000 | 13,758,000 |
| Noninterest income | 321,000 | 705,000 | 1,026,000 | 1,343,000 |
| Noninterest expense | 2,450,000 | 5,159,000 | 7,972,000 | 10,635,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,129,000 | 2,209,000 | 3,275,000 | 4,466,000 |
| Income tax | 305,000 | 610,000 | 902,000 | 1,223,000 |
| Net income | 824,000 | 1,599,000 | 2,373,000 | 3,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,332,000 | 94,108,000 | 94,881,000 | 95,751,000 |