Call reports 2010
WOODFORD STATE BANK — 2010
What WOODFORD STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 203,973,000 | 192,041,000 | 182,121,000 | 189,639,000 |
| Total loans | 147,309,000 | 146,523,000 | 146,036,000 | 141,597,000 |
| Allowance for loan losses | 2,679,000 | 2,522,000 | 2,736,000 | 3,150,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,020,000 | 21,783,000 | 21,332,000 | 23,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,649,000 | 169,286,000 | 159,130,000 | 166,102,000 |
| Interest-bearing deposits | 160,021,000 | 152,396,000 | 142,709,000 | 143,923,000 |
| Noninterest-bearing deposits | 16,628,000 | 16,890,000 | 16,421,000 | 22,179,000 |
| Equity capital | 15,537,000 | 16,091,000 | 16,107,000 | 16,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,609,000 | 5,221,000 | 7,737,000 | 10,132,000 |
| Interest expense | 794,000 | 1,491,000 | 2,132,000 | 2,625,000 |
| Net interest income | 1,815,000 | 3,730,000 | 5,605,000 | 7,507,000 |
| Noninterest income | 318,000 | 540,000 | 789,000 | 1,231,000 |
| Noninterest expense | 1,362,000 | 2,747,000 | 4,005,000 | 5,198,000 |
| Provision for loan losses | 400,000 | 715,000 | 1,565,000 | 2,405,000 |
| Pretax income | 371,000 | 808,000 | 824,000 | 1,133,000 |
| Income tax | 295,000 | 728,000 | 728,000 | 728,000 |
| Net income | 76,000 | 80,000 | 96,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,563,000 | 15,149,000 | 15,198,000 | 15,539,000 |
| Total capital | 16,426,000 | 16,920,000 | 16,997,000 | 17,287,000 |
| Risk-weighted assets | 148,248,000 | 143,410,000 | 142,953,000 | 138,469,000 |