Call reports 2020
WINTER HILL BANK, FSB — 2020
What WINTER HILL BANK, FSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 370,388,000 | 369,287,000 | 350,831,000 | 344,965,000 |
| Total loans | 305,865,000 | 284,200,000 | 280,184,000 | 274,335,000 |
| Allowance for loan losses | 3,096,000 | 3,094,000 | 3,146,000 | 3,146,000 |
| Securities available for sale | 1,602,000 | 94,000 | 86,000 | 79,000 |
| Securities held to maturity | 30,494,000 | 42,593,000 | 43,114,000 | 42,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,828,000 | 293,313,000 | 282,338,000 | 284,149,000 |
| Interest-bearing deposits | 268,125,000 | 268,144,000 | 257,933,000 | 259,858,000 |
| Noninterest-bearing deposits | 19,703,000 | 25,169,000 | 24,405,000 | 24,291,000 |
| Equity capital | 35,171,000 | 35,438,000 | 35,864,000 | 36,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,705,000 | 7,069,000 | 10,324,000 | 13,495,000 |
| Interest expense | 984,000 | 1,760,000 | 2,384,000 | 2,903,000 |
| Net interest income | 2,721,000 | 5,309,000 | 7,940,000 | 10,592,000 |
| Noninterest income | 295,000 | 780,000 | 1,427,000 | 2,102,000 |
| Noninterest expense | 2,735,000 | 5,490,000 | 8,172,000 | 10,846,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 266,000 | 598,000 | 1,144,000 | 1,804,000 |
| Income tax | 48,000 | 110,000 | 230,000 | 381,000 |
| Net income | 218,000 | 488,000 | 914,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,165,000 | 35,435,000 | 35,861,000 | 36,371,000 |
| Total capital | 38,261,000 | 38,214,000 | 38,661,000 | 39,149,000 |
| Risk-weighted assets | 250,684,000 | 222,033,000 | 223,687,000 | 221,840,000 |