Call reports 2002
WOODFORD STATE BANK — 2002
What WOODFORD STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 81,320,000 | 86,020,000 | 86,180,000 | 91,912,000 |
| Total loans | 66,089,000 | 70,451,000 | 74,015,000 | 78,019,000 |
| Allowance for loan losses | 663,000 | 682,000 | 699,000 | 737,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,959,000 | 2,758,000 | 2,857,000 | 2,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,887,000 | 79,503,000 | 79,426,000 | 82,320,000 |
| Interest-bearing deposits | 66,611,000 | 70,767,000 | 71,003,000 | 73,020,000 |
| Noninterest-bearing deposits | 8,276,000 | 8,736,000 | 8,423,000 | 9,300,000 |
| Equity capital | 5,798,000 | 5,919,000 | 6,132,000 | 7,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,334,000 | 2,704,000 | 4,118,000 | 5,572,000 |
| Interest expense | 645,000 | 1,267,000 | 1,862,000 | 2,422,000 |
| Net interest income | 689,000 | 1,437,000 | 2,256,000 | 3,150,000 |
| Noninterest income | 138,000 | 260,000 | 417,000 | 605,000 |
| Noninterest expense | 552,000 | 1,111,000 | 1,672,000 | 2,259,000 |
| Provision for loan losses | 30,000 | 63,000 | 116,000 | 200,000 |
| Pretax income | 245,000 | 523,000 | 885,000 | 1,296,000 |
| Income tax | 103,000 | 190,000 | 326,000 | 484,000 |
| Net income | 142,000 | 333,000 | 559,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 5,919,000 | 6,132,000 | 7,220,000 |
| Total capital | 6,461,000 | 6,601,000 | 6,831,000 | 7,957,000 |
| Risk-weighted assets | 57,458,000 | 61,122,000 | 63,415,000 | 66,359,000 |
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