Call reports 2022
WINTER HILL BANK, FSB — 2022
What WINTER HILL BANK, FSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 372,256,000 | 376,229,000 | 406,568,000 | 418,054,000 |
| Total loans | 243,680,000 | 254,299,000 | 283,838,000 | 293,442,000 |
| Allowance for loan losses | 3,145,000 | 3,145,000 | 3,175,000 | 3,285,000 |
| Securities available for sale | 44,000 | 40,000 | 36,000 | 33,000 |
| Securities held to maturity | 91,424,000 | 103,327,000 | 102,813,000 | 101,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,280,000 | 321,564,000 | 339,408,000 | 340,621,000 |
| Interest-bearing deposits | 293,362,000 | 291,974,000 | 310,628,000 | 310,244,000 |
| Noninterest-bearing deposits | 30,918,000 | 29,590,000 | 28,780,000 | 30,377,000 |
| Equity capital | 38,453,000 | 38,901,000 | 39,306,000 | 39,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,714,000 | 8,988,000 | 12,628,000 |
| Interest expense | 195,000 | 371,000 | 845,000 | 1,766,000 |
| Net interest income | 2,585,000 | 5,343,000 | 8,143,000 | 10,862,000 |
| Noninterest income | 164,000 | 315,000 | 471,000 | 610,000 |
| Noninterest expense | 2,501,000 | 4,850,000 | 7,277,000 | 9,675,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 140,000 |
| Pretax income | 248,000 | 808,000 | 1,307,000 | 1,657,000 |
| Income tax | 27,000 | 139,000 | 232,000 | 282,000 |
| Net income | 221,000 | 669,000 | 1,075,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,453,000 | 38,901,000 | 39,306,000 | 39,607,000 |
| Total capital | 41,084,000 | 41,633,000 | 42,295,000 | 42,687,000 |
| Risk-weighted assets | 209,950,000 | 218,171,000 | 238,988,000 | 246,268,000 |