Call reports 2019
WINTER HILL BANK, FSB — 2019
What WINTER HILL BANK, FSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 363,973,000 | 364,736,000 | 366,505,000 | 368,768,000 |
| Total loans | 306,566,000 | 311,083,000 | 314,433,000 | 312,271,000 |
| Allowance for loan losses | 3,098,000 | 3,097,000 | 3,098,000 | 3,097,000 |
| Securities available for sale | 4,833,000 | 4,850,000 | 4,854,000 | 1,602,000 |
| Securities held to maturity | 28,875,000 | 29,282,000 | 29,927,000 | 29,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,655,000 | 285,027,000 | 283,475,000 | 283,393,000 |
| Interest-bearing deposits | 256,115,000 | 264,112,000 | 262,374,000 | 265,367,000 |
| Noninterest-bearing deposits | 20,540,000 | 20,915,000 | 21,101,000 | 18,026,000 |
| Equity capital | 34,087,000 | 34,330,000 | 34,688,000 | 34,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,783,000 | 7,489,000 | 11,248,000 | 14,932,000 |
| Interest expense | 961,000 | 1,990,000 | 3,046,000 | 4,084,000 |
| Net interest income | 2,822,000 | 5,499,000 | 8,202,000 | 10,848,000 |
| Noninterest income | 189,000 | 383,000 | 649,000 | 985,000 |
| Noninterest expense | 2,610,000 | 5,206,000 | 7,729,000 | 10,390,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 401,000 | 676,000 | 1,122,000 | 1,440,000 |
| Income tax | -129,000 | -79,000 | 18,000 | 80,000 |
| Net income | 530,000 | 755,000 | 1,104,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,211,000 | 34,436,000 | 34,785,000 | 34,947,000 |
| Total capital | 37,283,000 | 37,533,000 | 37,883,000 | 38,044,000 |
| Risk-weighted assets | 245,748,000 | 247,683,000 | 251,422,000 | 252,431,000 |
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