Call reports 2012
WINTER HILL BANK, FSB — 2012
What WINTER HILL BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 263,816,000 | 265,033,000 | 262,317,000 | 260,447,000 |
| Total loans | 173,934,000 | 167,553,000 | 177,694,000 | 176,842,000 |
| Allowance for loan losses | 2,243,000 | 2,210,000 | 2,211,000 | 2,209,000 |
| Securities available for sale | 41,582,000 | 36,398,000 | 43,766,000 | 44,332,000 |
| Securities held to maturity | 83,000 | 68,000 | 64,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,392,000 | 231,462,000 | 230,416,000 | 228,260,000 |
| Interest-bearing deposits | 218,260,000 | 218,627,000 | 216,047,000 | 214,969,000 |
| Noninterest-bearing deposits | 12,132,000 | 12,835,000 | 14,369,000 | 13,291,000 |
| Equity capital | 25,713,000 | 26,015,000 | 26,210,000 | 26,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,597,000 | 5,173,000 | 7,620,000 | 10,083,000 |
| Interest expense | 490,000 | 953,000 | 1,387,000 | 1,792,000 |
| Net interest income | 2,107,000 | 4,220,000 | 6,233,000 | 8,291,000 |
| Noninterest income | 463,000 | 927,000 | 1,411,000 | 2,063,000 |
| Noninterest expense | 2,272,000 | 4,533,000 | 6,819,000 | 8,830,000 |
| Provision for loan losses | 0 | 0 | 0 | -62,000 |
| Pretax income | 311,000 | 644,000 | 859,000 | 1,621,000 |
| Income tax | 113,000 | 236,000 | 314,000 | 588,000 |
| Net income | 198,000 | 408,000 | 545,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,224,000 | 25,434,000 | 25,571,000 | 26,059,000 |
| Total capital | 27,105,000 | 27,231,000 | 27,453,000 | 27,953,000 |
| Risk-weighted assets | 150,186,000 | 143,340,000 | 150,262,000 | 151,234,000 |
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