Call reports 2015
WINTER HILL BANK, FSB — 2015
What WINTER HILL BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 312,796,000 | 310,976,000 | 305,316,000 | 311,684,000 |
| Total loans | 229,330,000 | 228,408,000 | 230,322,000 | 227,843,000 |
| Allowance for loan losses | 2,300,000 | 2,332,000 | 2,364,000 | 2,397,000 |
| Securities available for sale | 21,606,000 | 19,149,000 | 18,488,000 | 15,723,000 |
| Securities held to maturity | 30,473,000 | 31,975,000 | 32,305,000 | 31,408,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,063,000 | 240,871,000 | 241,631,000 | 248,647,000 |
| Interest-bearing deposits | 224,004,000 | 223,653,000 | 224,634,000 | 231,156,000 |
| Noninterest-bearing deposits | 16,059,000 | 17,218,000 | 16,997,000 | 17,491,000 |
| Equity capital | 27,620,000 | 27,904,000 | 28,311,000 | 28,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,825,000 | 5,620,000 | 8,468,000 | 11,335,000 |
| Interest expense | 418,000 | 836,000 | 1,242,000 | 1,651,000 |
| Net interest income | 2,407,000 | 4,784,000 | 7,226,000 | 9,684,000 |
| Noninterest income | 246,000 | 673,000 | 1,057,000 | 1,474,000 |
| Noninterest expense | 2,251,000 | 4,464,000 | 6,688,000 | 8,901,000 |
| Provision for loan losses | 32,000 | 65,000 | 97,000 | 130,000 |
| Pretax income | 370,000 | 998,000 | 1,568,000 | 2,197,000 |
| Income tax | 144,000 | 389,000 | 611,000 | 857,000 |
| Net income | 226,000 | 609,000 | 957,000 | 1,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,046,000 | 28,429,000 | 28,777,000 | 29,160,000 |
| Total capital | 30,226,000 | 30,617,000 | 31,125,000 | 31,527,000 |
| Risk-weighted assets | 174,316,000 | 174,925,000 | 187,837,000 | 189,366,000 |