Call reports 2006
WOODFORD STATE BANK — 2006
What WOODFORD STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 134,456,000 | 134,803,000 | 136,941,000 | 144,063,000 |
| Total loans | 103,919,000 | 105,516,000 | 108,195,000 | 106,994,000 |
| Allowance for loan losses | 979,000 | 903,000 | 935,000 | 970,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,822,000 | 13,479,000 | 15,931,000 | 17,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,720,000 | 119,886,000 | 121,791,000 | 128,299,000 |
| Interest-bearing deposits | 108,112,000 | 108,849,000 | 110,609,000 | 116,486,000 |
| Noninterest-bearing deposits | 11,608,000 | 11,037,000 | 11,182,000 | 11,813,000 |
| Equity capital | 10,459,000 | 10,592,000 | 10,933,000 | 11,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,093,000 | 4,324,000 | 6,663,000 | 9,122,000 |
| Interest expense | 940,000 | 1,983,000 | 3,128,000 | 4,340,000 |
| Net interest income | 1,153,000 | 2,341,000 | 3,535,000 | 4,782,000 |
| Noninterest income | 204,000 | 404,000 | 628,000 | 842,000 |
| Noninterest expense | 815,000 | 1,650,000 | 2,495,000 | 3,278,000 |
| Provision for loan losses | 45,000 | 225,000 | 285,000 | 325,000 |
| Pretax income | 497,000 | 870,000 | 1,383,000 | 2,021,000 |
| Income tax | 175,000 | 299,000 | 471,000 | 704,000 |
| Net income | 322,000 | 571,000 | 912,000 | 1,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,250,000 | 10,397,000 | 10,738,000 | 11,015,000 |
| Total capital | 11,229,000 | 11,300,000 | 11,673,000 | 11,985,000 |
| Risk-weighted assets | 106,228,000 | 108,312,000 | 110,967,000 | 112,263,000 |
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