Call reports 2004
WOODFORD STATE BANK — 2004
What WOODFORD STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 107,578,000 | 108,858,000 | 112,872,000 | 119,622,000 |
| Total loans | 88,995,000 | 92,365,000 | 94,166,000 | 99,362,000 |
| Allowance for loan losses | 843,000 | 832,000 | 838,000 | 885,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,499,000 | 6,240,000 | 6,130,000 | 6,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,609,000 | 98,290,000 | 101,931,000 | 108,335,000 |
| Interest-bearing deposits | 85,987,000 | 86,181,000 | 90,324,000 | 95,175,000 |
| Noninterest-bearing deposits | 10,622,000 | 12,109,000 | 11,607,000 | 13,160,000 |
| Equity capital | 8,560,000 | 8,778,000 | 9,130,000 | 9,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,538,000 | 3,091,000 | 4,712,000 | 6,438,000 |
| Interest expense | 468,000 | 929,000 | 1,410,000 | 1,935,000 |
| Net interest income | 1,070,000 | 2,162,000 | 3,302,000 | 4,503,000 |
| Noninterest income | 207,000 | 421,000 | 656,000 | 897,000 |
| Noninterest expense | 740,000 | 1,483,000 | 2,231,000 | 3,002,000 |
| Provision for loan losses | 45,000 | 92,000 | 143,000 | 205,000 |
| Pretax income | 492,000 | 1,008,000 | 1,584,000 | 2,193,000 |
| Income tax | 190,000 | 385,000 | 609,000 | 831,000 |
| Net income | 302,000 | 623,000 | 975,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,450,000 | 8,668,000 | 8,990,000 | 9,265,000 |
| Total capital | 9,293,000 | 9,500,000 | 9,828,000 | 10,150,000 |
| Risk-weighted assets | 78,243,000 | 85,944,000 | 90,278,000 | 94,833,000 |
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