Call reports 2024
WINCHESTER CO-OPERATIVE BANK — 2024
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 794,788,000 | 832,011,000 | 840,813,000 | 852,112,000 |
| Total loans | 606,216,000 | 624,542,000 | 630,423,000 | 638,171,000 |
| Allowance for loan losses | 1,879,000 | 1,879,000 | 1,927,000 | 1,946,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 101,206,000 | 137,958,000 | 126,217,000 | 135,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,610,000 | 667,064,000 | 675,549,000 | 686,197,000 |
| Interest-bearing deposits | 626,293,000 | 628,249,000 | 640,550,000 | 652,311,000 |
| Noninterest-bearing deposits | 44,317,000 | 38,815,000 | 35,000,000 | 33,885,000 |
| Equity capital | 101,894,000 | 102,066,000 | 102,400,000 | 103,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,014,000 | 16,528,000 | 25,776,000 | 35,283,000 |
| Interest expense | 4,846,000 | 10,076,000 | 15,895,000 | 21,688,000 |
| Net interest income | 3,168,000 | 6,452,000 | 9,881,000 | 13,595,000 |
| Noninterest income | 282,000 | 571,000 | 867,000 | 1,167,000 |
| Noninterest expense | 3,191,000 | 6,577,000 | 9,854,000 | 13,161,000 |
| Provision for loan losses | -246,000 | -246,000 | -198,000 | -179,000 |
| Pretax income | 259,000 | 446,000 | 875,000 | 1,570,000 |
| Income tax | 40,000 | 55,000 | 149,000 | 240,000 |
| Net income | 219,000 | 391,000 | 726,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,894,000 | 102,066,000 | 102,400,000 | 103,005,000 |