Call reports 2021
WINTER HILL BANK, FSB — 2021
What WINTER HILL BANK, FSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 350,037,000 | 346,216,000 | 349,567,000 | 363,421,000 |
| Total loans | 263,648,000 | 258,439,000 | 257,475,000 | 252,411,000 |
| Allowance for loan losses | 3,146,000 | 3,146,000 | 3,146,000 | 3,145,000 |
| Securities available for sale | 71,000 | 67,000 | 55,000 | 49,000 |
| Securities held to maturity | 47,149,000 | 55,761,000 | 60,753,000 | 66,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,679,000 | 294,542,000 | 297,285,000 | 311,738,000 |
| Interest-bearing deposits | 263,959,000 | 266,594,000 | 269,752,000 | 264,315,000 |
| Noninterest-bearing deposits | 28,720,000 | 27,948,000 | 27,533,000 | 47,423,000 |
| Equity capital | 36,914,000 | 37,203,000 | 37,737,000 | 38,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,080,000 | 5,964,000 | 8,923,000 | 11,860,000 |
| Interest expense | 411,000 | 746,000 | 1,019,000 | 1,263,000 |
| Net interest income | 2,669,000 | 5,218,000 | 7,904,000 | 10,597,000 |
| Noninterest income | 664,000 | 1,068,000 | 1,425,000 | 1,815,000 |
| Noninterest expense | 2,630,000 | 5,233,000 | 7,588,000 | 10,038,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 703,000 | 1,053,000 | 1,741,000 | 2,374,000 |
| Income tax | 162,000 | 223,000 | 377,000 | 513,000 |
| Net income | 541,000 | 830,000 | 1,364,000 | 1,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,912,000 | 37,200,000 | 37,735,000 | 38,232,000 |
| Total capital | 39,617,000 | 39,893,000 | 40,478,000 | 40,953,000 |
| Risk-weighted assets | 215,917,000 | 215,016,000 | 219,056,000 | 217,286,000 |
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