Call reports 2013
WINTER HILL BANK, FSB — 2013
What WINTER HILL BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 265,706,000 | 264,137,000 | 272,847,000 | 285,368,000 |
| Total loans | 176,804,000 | 176,460,000 | 193,959,000 | 206,381,000 |
| Allowance for loan losses | 2,239,000 | 2,216,000 | 2,246,000 | 2,274,000 |
| Securities available for sale | 51,135,000 | 56,251,000 | 56,723,000 | 55,218,000 |
| Securities held to maturity | 56,000 | 51,000 | 45,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,424,000 | 234,131,000 | 232,990,000 | 229,291,000 |
| Interest-bearing deposits | 219,313,000 | 218,967,000 | 216,956,000 | 213,772,000 |
| Noninterest-bearing deposits | 14,111,000 | 15,164,000 | 16,034,000 | 15,519,000 |
| Equity capital | 26,617,000 | 25,230,000 | 25,090,000 | 23,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,417,000 | 4,860,000 | 7,324,000 | 9,911,000 |
| Interest expense | 388,000 | 760,000 | 1,129,000 | 1,494,000 |
| Net interest income | 2,029,000 | 4,100,000 | 6,195,000 | 8,417,000 |
| Noninterest income | 446,000 | 834,000 | 1,104,000 | 1,541,000 |
| Noninterest expense | 2,188,000 | 4,206,000 | 6,253,000 | 8,405,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 264,000 | 678,000 | 966,000 | 1,443,000 |
| Income tax | 97,000 | 255,000 | 361,000 | 544,000 |
| Net income | 167,000 | 423,000 | 605,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,226,000 | 26,452,000 | 26,664,000 | 26,959,000 |
| Total capital | 28,145,000 | 28,364,000 | 28,721,000 | 29,130,000 |
| Risk-weighted assets | 153,173,000 | 152,640,000 | 164,365,000 | 173,547,000 |
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