Call reports 2005
WOODFORD STATE BANK — 2005
What WOODFORD STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 121,144,000 | 122,132,000 | 124,499,000 | 130,930,000 |
| Total loans | 99,212,000 | 99,812,000 | 103,051,000 | 102,680,000 |
| Allowance for loan losses | 926,000 | 965,000 | 975,000 | 938,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,135,000 | 9,022,000 | 10,057,000 | 10,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,268,000 | 109,815,000 | 109,987,000 | 116,743,000 |
| Interest-bearing deposits | 98,284,000 | 99,549,000 | 99,265,000 | 104,363,000 |
| Noninterest-bearing deposits | 10,984,000 | 10,266,000 | 10,722,000 | 12,380,000 |
| Equity capital | 9,795,000 | 10,067,000 | 9,981,000 | 10,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,752,000 | 3,588,000 | 5,495,000 | 7,496,000 |
| Interest expense | 576,000 | 1,228,000 | 1,959,000 | 2,806,000 |
| Net interest income | 1,176,000 | 2,360,000 | 3,536,000 | 4,690,000 |
| Noninterest income | 249,000 | 516,000 | 760,000 | 1,009,000 |
| Noninterest expense | 774,000 | 1,565,000 | 2,367,000 | 3,167,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 315,000 |
| Pretax income | 606,000 | 1,221,000 | 1,794,000 | 2,217,000 |
| Income tax | 226,000 | 454,000 | 663,000 | 802,000 |
| Net income | 380,000 | 767,000 | 1,131,000 | 1,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,632,000 | 9,877,000 | 9,788,000 | 9,928,000 |
| Total capital | 10,558,000 | 10,842,000 | 10,763,000 | 10,866,000 |
| Risk-weighted assets | 96,117,000 | 97,823,000 | 102,776,000 | 103,985,000 |
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