Call reports 2022
WINCHESTER CO-OPERATIVE BANK — 2022
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 803,307,000 | 794,881,000 | 777,491,000 | 773,352,000 |
| Total loans | 466,867,000 | 471,777,000 | 491,799,000 | 529,871,000 |
| Allowance for loan losses | 1,341,000 | 1,342,000 | 1,342,000 | 1,342,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 99,202,000 | 112,316,000 | 137,895,000 | 145,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 703,061,000 | 693,752,000 | 674,567,000 | 668,931,000 |
| Interest-bearing deposits | 656,740,000 | 643,762,000 | 624,334,000 | 617,259,000 |
| Noninterest-bearing deposits | 46,320,000 | 49,990,000 | 50,232,000 | 51,672,000 |
| Equity capital | 96,433,000 | 97,333,000 | 98,809,000 | 100,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,243,000 | 8,869,000 | 14,377,000 | 20,653,000 |
| Interest expense | 679,000 | 1,340,000 | 2,114,000 | 3,586,000 |
| Net interest income | 3,564,000 | 7,529,000 | 12,263,000 | 17,067,000 |
| Noninterest income | 214,000 | 412,000 | 646,000 | 923,000 |
| Noninterest expense | 2,840,000 | 5,762,000 | 8,698,000 | 11,658,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 938,000 | 2,179,000 | 4,211,000 | 6,332,000 |
| Income tax | 257,000 | 596,000 | 1,153,000 | 1,683,000 |
| Net income | 681,000 | 1,583,000 | 3,058,000 | 4,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,433,000 | 97,333,000 | 98,809,000 | 100,400,000 |