Call reports 2016
WINTER HILL BANK, FSB — 2016
What WINTER HILL BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 311,964,000 | 305,933,000 | 307,079,000 | 313,993,000 |
| Total loans | 231,801,000 | 227,916,000 | 240,626,000 | 260,715,000 |
| Allowance for loan losses | 2,435,000 | 2,474,000 | 2,471,000 | 2,471,000 |
| Securities available for sale | 14,669,000 | 10,936,000 | 8,295,000 | 7,595,000 |
| Securities held to maturity | 28,638,000 | 20,309,000 | 21,593,000 | 25,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,453,000 | 245,653,000 | 253,332,000 | 253,950,000 |
| Interest-bearing deposits | 230,063,000 | 227,663,000 | 233,009,000 | 235,185,000 |
| Noninterest-bearing deposits | 19,390,000 | 17,990,000 | 20,323,000 | 18,765,000 |
| Equity capital | 29,051,000 | 29,646,000 | 30,009,000 | 30,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,813,000 | 5,602,000 | 8,276,000 | 11,070,000 |
| Interest expense | 413,000 | 820,000 | 1,230,000 | 1,623,000 |
| Net interest income | 2,400,000 | 4,782,000 | 7,046,000 | 9,447,000 |
| Noninterest income | 305,000 | 572,000 | 857,000 | 1,114,000 |
| Noninterest expense | 2,311,000 | 4,539,000 | 6,759,000 | 8,960,000 |
| Provision for loan losses | 37,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 370,000 | 807,000 | 1,154,000 | 1,611,000 |
| Income tax | 135,000 | 291,000 | 407,000 | 560,000 |
| Net income | 235,000 | 516,000 | 747,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,395,000 | 29,676,000 | 29,907,000 | 30,211,000 |
| Total capital | 31,811,000 | 32,046,000 | 32,378,000 | 32,682,000 |
| Risk-weighted assets | 193,302,000 | 189,538,000 | 200,668,000 | 214,464,000 |
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