Call reports 2008
WOODFORD STATE BANK — 2008
What WOODFORD STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 185,283,000 | 185,782,000 | 185,434,000 | 189,523,000 |
| Total loans | 116,347,000 | 124,464,000 | 131,251,000 | 137,256,000 |
| Allowance for loan losses | 1,002,000 | 941,000 | 1,009,000 | 1,201,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,202,000 | 42,362,000 | 39,813,000 | 37,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,760,000 | 166,140,000 | 163,284,000 | 163,421,000 |
| Interest-bearing deposits | 151,557,000 | 15,775,000 | 148,825,000 | 149,124,000 |
| Noninterest-bearing deposits | 14,203,000 | 150,365,000 | 14,459,000 | 14,297,000 |
| Equity capital | 14,440,000 | 14,844,000 | 15,319,000 | 15,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 5,782,000 | 8,595,000 | 11,383,000 |
| Interest expense | 1,314,000 | 2,508,000 | 3,642,000 | 4,730,000 |
| Net interest income | 1,640,000 | 3,274,000 | 4,953,000 | 6,653,000 |
| Noninterest income | 281,000 | 568,000 | 858,000 | 1,091,000 |
| Noninterest expense | 1,126,000 | 2,264,000 | 3,415,000 | 4,651,000 |
| Provision for loan losses | 51,000 | 103,000 | 206,000 | 637,000 |
| Pretax income | 744,000 | 1,475,000 | 2,188,000 | 2,454,000 |
| Income tax | 253,000 | 500,000 | 738,000 | 798,000 |
| Net income | 491,000 | 975,000 | 1,450,000 | 1,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,206,000 | 13,643,000 | 14,150,000 | 14,133,000 |
| Total capital | 14,208,000 | 14,584,000 | 15,159,000 | 15,334,000 |
| Risk-weighted assets | 122,509,000 | 129,125,000 | 134,133,000 | 139,736,000 |
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