Call reports 2024
WINTER HILL BANK, FSB — 2024
What WINTER HILL BANK, FSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 445,231,000 | 442,975,000 | 440,437,000 | 431,617,000 |
| Total loans | 319,550,000 | 321,098,000 | 320,287,000 | 321,018,000 |
| Allowance for loan losses | 1,868,000 | 1,867,000 | 1,867,000 | 1,865,000 |
| Securities available for sale | 26,000 | 24,000 | 23,000 | 22,000 |
| Securities held to maturity | 97,410,000 | 93,923,000 | 93,671,000 | 92,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,445,000 | 324,689,000 | 301,794,000 | 303,489,000 |
| Interest-bearing deposits | 293,383,000 | 289,449,000 | 268,808,000 | 272,342,000 |
| Noninterest-bearing deposits | 34,062,000 | 35,240,000 | 32,986,000 | 31,147,000 |
| Equity capital | 40,416,000 | 40,380,000 | 40,412,000 | 40,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,641,000 | 9,435,000 | 14,276,000 | 19,153,000 |
| Interest expense | 2,470,000 | 4,961,000 | 7,486,000 | 9,949,000 |
| Net interest income | 2,171,000 | 4,474,000 | 6,790,000 | 9,204,000 |
| Noninterest income | 151,000 | 364,000 | 579,000 | 819,000 |
| Noninterest expense | 2,567,000 | 5,163,000 | 7,686,000 | 10,197,000 |
| Provision for loan losses | -30,000 | -30,000 | -30,000 | -30,000 |
| Pretax income | -187,000 | -275,000 | -277,000 | -89,000 |
| Income tax | -73,000 | -125,000 | -159,000 | -153,000 |
| Net income | -114,000 | -150,000 | -118,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,416,000 | 40,380,000 | 40,412,000 | 40,594,000 |
| Total capital | 42,454,000 | 42,425,000 | 42,467,000 | 42,602,000 |
| Risk-weighted assets | 260,901,000 | 259,873,000 | 260,953,000 | 262,032,000 |