Call reports 2017
WINTER HILL BANK, FSB — 2017
What WINTER HILL BANK, FSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 336,090,000 | 342,743,000 | 357,987,000 | 356,975,000 |
| Total loans | 276,336,000 | 290,021,000 | 294,532,000 | 299,788,000 |
| Allowance for loan losses | 2,531,000 | 2,766,000 | 2,825,000 | 2,998,000 |
| Securities available for sale | 6,545,000 | 6,014,000 | 5,983,000 | 5,431,000 |
| Securities held to maturity | 26,563,000 | 26,784,000 | 26,795,000 | 27,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,919,000 | 262,295,000 | 274,204,000 | 273,979,000 |
| Interest-bearing deposits | 238,573,000 | 240,081,000 | 252,036,000 | 253,779,000 |
| Noninterest-bearing deposits | 20,346,000 | 22,214,000 | 22,168,000 | 20,200,000 |
| Equity capital | 30,452,000 | 30,635,000 | 30,965,000 | 32,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,076,000 | 6,260,000 | 9,562,000 | 12,886,000 |
| Interest expense | 477,000 | 1,027,000 | 1,680,000 | 2,355,000 |
| Net interest income | 2,599,000 | 5,233,000 | 7,882,000 | 10,531,000 |
| Noninterest income | 191,000 | 391,000 | 704,000 | 982,000 |
| Noninterest expense | 2,431,000 | 4,781,000 | 7,175,000 | 9,630,000 |
| Provision for loan losses | 60,000 | 295,000 | 355,000 | 527,000 |
| Pretax income | 391,000 | 676,000 | 1,184,000 | 1,484,000 |
| Income tax | 124,000 | 205,000 | 375,000 | -694,000 |
| Net income | 267,000 | 471,000 | 809,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,478,000 | 30,683,000 | 31,021,000 | 32,390,000 |
| Total capital | 33,009,000 | 33,449,000 | 33,846,000 | 35,388,000 |
| Risk-weighted assets | 222,226,000 | 229,825,000 | 233,695,000 | 240,332,000 |