Call reports 2018
WINTER HILL BANK, FSB — 2018
What WINTER HILL BANK, FSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 358,230,000 | 364,504,000 | 363,156,000 | 365,475,000 |
| Total loans | 302,428,000 | 312,108,000 | 306,636,000 | 312,388,000 |
| Allowance for loan losses | 3,024,000 | 3,121,000 | 3,066,000 | 3,099,000 |
| Securities available for sale | 5,375,000 | 5,354,000 | 5,334,000 | 4,838,000 |
| Securities held to maturity | 27,447,000 | 27,587,000 | 28,040,000 | 28,240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,037,000 | 272,228,000 | 272,445,000 | 274,382,000 |
| Interest-bearing deposits | 254,125,000 | 249,996,000 | 250,872,000 | 255,408,000 |
| Noninterest-bearing deposits | 20,912,000 | 22,232,000 | 21,573,000 | 18,974,000 |
| Equity capital | 32,524,000 | 32,752,000 | 33,149,000 | 33,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,396,000 | 6,901,000 | 10,483,000 | 14,114,000 |
| Interest expense | 711,000 | 1,473,000 | 2,284,000 | 3,160,000 |
| Net interest income | 2,685,000 | 5,428,000 | 8,199,000 | 10,954,000 |
| Noninterest income | 236,000 | 457,000 | 714,000 | 956,000 |
| Noninterest expense | 2,614,000 | 5,177,000 | 7,718,000 | 10,173,000 |
| Provision for loan losses | 25,000 | 122,000 | 68,000 | 101,000 |
| Pretax income | 282,000 | 586,000 | 1,127,000 | 1,636,000 |
| Income tax | 40,000 | 106,000 | 244,000 | 360,000 |
| Net income | 242,000 | 480,000 | 883,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,647,000 | 32,885,000 | 33,288,000 | 33,681,000 |
| Total capital | 35,671,000 | 36,006,000 | 36,331,000 | 36,780,000 |
| Risk-weighted assets | 242,143,000 | 251,289,000 | 243,335,000 | 249,840,000 |