Call reports 2014
WINTER HILL BANK, FSB — 2014
What WINTER HILL BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 294,517,000 | 296,871,000 | 299,388,000 | 306,972,000 |
| Total loans | 205,573,000 | 216,227,000 | 220,387,000 | 228,056,000 |
| Allowance for loan losses | 2,287,000 | 2,268,000 | 2,269,000 | 2,269,000 |
| Securities available for sale | 56,562,000 | 57,470,000 | 22,116,000 | 21,936,000 |
| Securities held to maturity | 37,000 | 34,000 | 32,201,000 | 31,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,024,000 | 233,196,000 | 230,666,000 | 235,883,000 |
| Interest-bearing deposits | 215,384,000 | 217,374,000 | 214,638,000 | 219,992,000 |
| Noninterest-bearing deposits | 16,640,000 | 15,822,000 | 16,028,000 | 15,891,000 |
| Equity capital | 25,118,000 | 26,437,000 | 26,875,000 | 27,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,660,000 | 5,360,000 | 8,123,000 | 10,936,000 |
| Interest expense | 384,000 | 787,000 | 1,195,000 | 1,612,000 |
| Net interest income | 2,276,000 | 4,573,000 | 6,928,000 | 9,324,000 |
| Noninterest income | 286,000 | 535,000 | 854,000 | 1,106,000 |
| Noninterest expense | 2,246,000 | 4,501,000 | 6,807,000 | 8,879,000 |
| Provision for loan losses | 15,000 | 0 | 0 | 0 |
| Pretax income | 301,000 | 607,000 | 1,000,000 | 1,576,000 |
| Income tax | 117,000 | 274,000 | 427,000 | 714,000 |
| Net income | 184,000 | 333,000 | 573,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,142,000 | 27,292,000 | 27,531,000 | 27,820,000 |
| Total capital | 29,312,000 | 29,559,000 | 29,800,000 | 30,089,000 |
| Risk-weighted assets | 173,403,000 | 181,370,000 | 186,958,000 | 188,992,000 |
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