Call reports 2025
WINCHESTER CO-OPERATIVE BANK — 2025
What WINCHESTER CO-OPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 873,553,000 | 881,320,000 | 890,371,000 | 907,444,000 |
| Total loans | 641,546,000 | 651,499,000 | 668,975,000 | 679,688,000 |
| Allowance for loan losses | 1,955,000 | 2,083,000 | 2,030,000 | 2,375,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 127,094,000 | 113,544,000 | 111,761,000 | 104,976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 706,650,000 | 713,255,000 | 720,895,000 | 736,930,000 |
| Interest-bearing deposits | 667,821,000 | 673,805,000 | 680,037,000 | 695,987,000 |
| Noninterest-bearing deposits | 38,829,000 | 39,450,000 | 40,858,000 | 40,943,000 |
| Equity capital | 103,761,000 | 104,873,000 | 105,896,000 | 107,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,752,000 | 19,815,000 | 30,213,000 | 40,695,000 |
| Interest expense | 5,710,000 | 11,440,000 | 17,285,000 | 23,049,000 |
| Net interest income | 4,042,000 | 8,375,000 | 12,928,000 | 17,646,000 |
| Noninterest income | 281,000 | 872,000 | 1,158,000 | 1,449,000 |
| Noninterest expense | 3,361,000 | 6,716,000 | 10,168,000 | 13,676,000 |
| Provision for loan losses | 19,000 | 150,000 | 97,000 | 99,000 |
| Pretax income | 943,000 | 2,381,000 | 3,730,000 | 5,257,000 |
| Income tax | 187,000 | 513,000 | 839,000 | 1,134,000 |
| Net income | 756,000 | 1,868,000 | 2,891,000 | 4,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,761,000 | 104,873,000 | 105,896,000 | 107,128,000 |
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