Call reports 2007
WOODFORD STATE BANK — 2007
What WOODFORD STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,527,000 | 149,946,000 | 152,896,000 | 181,255,000 |
| Total loans | 106,917,000 | 108,626,000 | 110,101,000 | 115,916,000 |
| Allowance for loan losses | 980,000 | 965,000 | 929,000 | 951,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,140,000 | 25,249,000 | 25,453,000 | 26,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,353,000 | 133,993,000 | 136,119,000 | 162,696,000 |
| Interest-bearing deposits | 120,448,000 | 121,856,000 | 124,644,000 | 147,790,000 |
| Noninterest-bearing deposits | 10,905,000 | 12,137,000 | 11,475,000 | 14,906,000 |
| Equity capital | 11,493,000 | 11,662,000 | 12,048,000 | 13,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,493,000 | 5,004,000 | 7,697,000 | 10,680,000 |
| Interest expense | 1,268,000 | 2,570,000 | 3,921,000 | 5,357,000 |
| Net interest income | 1,225,000 | 2,434,000 | 3,776,000 | 5,323,000 |
| Noninterest income | 175,000 | 390,000 | 630,000 | 876,000 |
| Noninterest expense | 864,000 | 1,753,000 | 2,700,000 | 3,847,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 204,000 |
| Pretax income | 485,000 | 969,000 | 1,553,000 | 2,148,000 |
| Income tax | 164,000 | 325,000 | 523,000 | 726,000 |
| Net income | 321,000 | 644,000 | 1,030,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,493,000 | 11,662,000 | 12,048,000 | 12,683,000 |
| Total capital | 12,473,000 | 12,627,000 | 12,977,000 | 13,634,000 |
| Risk-weighted assets | 105,747,000 | 107,390,000 | 109,091,000 | 121,032,000 |
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