Call reports 2023
WINCHESTER CO-OPERATIVE BANK — 2023
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 759,172,000 | 759,992,000 | 769,525,000 | 775,257,000 |
| Total loans | 544,507,000 | 572,050,000 | 591,665,000 | 598,313,000 |
| Allowance for loan losses | 1,334,000 | 2,100,000 | 2,125,000 | 2,125,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 143,073,000 | 134,054,000 | 125,459,000 | 109,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,635,000 | 654,717,000 | 643,774,000 | 651,805,000 |
| Interest-bearing deposits | 605,002,000 | 603,633,000 | 593,787,000 | 605,499,000 |
| Noninterest-bearing deposits | 48,633,000 | 51,084,000 | 49,987,000 | 46,305,000 |
| Equity capital | 101,385,000 | 101,197,000 | 101,490,000 | 101,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,436,000 | 13,177,000 | 20,358,000 | 28,013,000 |
| Interest expense | 2,330,000 | 5,541,000 | 9,418,000 | 13,936,000 |
| Net interest income | 4,106,000 | 7,636,000 | 10,940,000 | 14,077,000 |
| Noninterest income | 269,000 | 549,000 | 827,000 | 1,113,000 |
| Noninterest expense | 3,078,000 | 6,423,000 | 9,668,000 | 12,885,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 1,297,000 | 1,762,000 | 2,074,000 | 2,280,000 |
| Income tax | 312,000 | 414,000 | 432,000 | 455,000 |
| Net income | 985,000 | 1,348,000 | 1,642,000 | 1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,385,000 | 101,198,000 | 101,490,000 | 101,674,000 |
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