Call reports 2023
WINTER HILL BANK, FSB — 2023
What WINTER HILL BANK, FSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 415,536,000 | 429,795,000 | 433,981,000 | 446,819,000 |
| Total loans | 294,929,000 | 309,835,000 | 315,080,000 | 323,200,000 |
| Allowance for loan losses | 3,293,000 | 3,174,000 | 3,138,000 | 1,898,000 |
| Securities available for sale | 31,000 | 30,000 | 28,000 | 27,000 |
| Securities held to maturity | 101,519,000 | 101,021,000 | 100,564,000 | 100,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,953,000 | 360,155,000 | 347,343,000 | 354,319,000 |
| Interest-bearing deposits | 323,023,000 | 327,793,000 | 318,477,000 | 322,637,000 |
| Noninterest-bearing deposits | 31,930,000 | 32,362,000 | 28,866,000 | 31,682,000 |
| Equity capital | 39,747,000 | 39,804,000 | 39,778,000 | 40,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,802,000 | 7,781,000 | 12,021,000 | 16,620,000 |
| Interest expense | 1,352,000 | 3,080,000 | 5,233,000 | 7,660,000 |
| Net interest income | 2,450,000 | 4,701,000 | 6,788,000 | 8,960,000 |
| Noninterest income | 144,000 | 293,000 | 457,000 | 634,000 |
| Noninterest expense | 2,455,000 | 4,965,000 | 7,355,000 | 9,687,000 |
| Provision for loan losses | 10,000 | -110,000 | -145,000 | -145,000 |
| Pretax income | 129,000 | 139,000 | 35,000 | 52,000 |
| Income tax | -12,000 | -58,000 | -137,000 | -123,000 |
| Net income | 141,000 | 197,000 | 172,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,747,000 | 39,804,000 | 39,778,000 | 40,530,000 |
| Total capital | 42,831,000 | 42,946,000 | 42,916,000 | 42,428,000 |
| Risk-weighted assets | 246,485,000 | 251,310,000 | 255,096,000 | 259,386,000 |
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