Call reports 2025
WINTER HILL BANK, FSB — 2025
What WINTER HILL BANK, FSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 430,619,000 | 420,337,000 | 414,708,000 | 420,959,000 |
| Total loans | 313,588,000 | 311,553,000 | 309,406,000 | 304,134,000 |
| Allowance for loan losses | 1,865,000 | 1,865,000 | 1,843,000 | 1,842,000 |
| Securities available for sale | 21,000 | 20,000 | 14,000 | 14,000 |
| Securities held to maturity | 85,020,000 | 82,069,000 | 81,477,000 | 80,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,569,000 | 297,265,000 | 291,418,000 | 297,917,000 |
| Interest-bearing deposits | 271,744,000 | 268,213,000 | 261,128,000 | 267,907,000 |
| Noninterest-bearing deposits | 35,825,000 | 29,052,000 | 30,290,000 | 30,010,000 |
| Equity capital | 40,711,000 | 40,903,000 | 41,035,000 | 41,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,941,000 | 9,806,000 | 14,698,000 | 19,534,000 |
| Interest expense | 2,322,000 | 4,582,000 | 6,886,000 | 9,158,000 |
| Net interest income | 2,619,000 | 5,224,000 | 7,812,000 | 10,376,000 |
| Noninterest income | 173,000 | 367,000 | 539,000 | 703,000 |
| Noninterest expense | 2,705,000 | 5,327,000 | 7,980,000 | 10,583,000 |
| Provision for loan losses | 0 | 0 | -22,000 | -22,000 |
| Pretax income | 107,000 | 309,000 | 435,000 | 577,000 |
| Income tax | -10,000 | 0 | -6,000 | -9,000 |
| Net income | 117,000 | 309,000 | 441,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,711,000 | 40,903,000 | 41,035,000 | 41,180,000 |
| Total capital | 42,699,000 | 42,866,000 | 42,980,000 | 43,106,000 |
| Risk-weighted assets | 255,689,000 | 254,410,000 | 255,187,000 | 251,131,000 |
Machine access — free, no API key
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