Call reports 2011
WOODFORD STATE BANK — 2011
What WOODFORD STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 185,342,000 | 180,092,000 | 176,001,000 | 180,129,000 |
| Total loans | 136,967,000 | 132,596,000 | 126,325,000 | 123,393,000 |
| Allowance for loan losses | 3,512,000 | 3,295,000 | 3,577,000 | 3,500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,427,000 | 24,706,000 | 22,497,000 | 27,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,765,000 | 157,062,000 | 153,512,000 | 156,676,000 |
| Interest-bearing deposits | 143,750,000 | 138,915,000 | 134,849,000 | 135,550,000 |
| Noninterest-bearing deposits | 19,015,000 | 18,147,000 | 18,663,000 | 21,126,000 |
| Equity capital | 16,070,000 | 16,393,000 | 16,719,000 | 16,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,266,000 | 4,513,000 | 6,673,000 | 8,648,000 |
| Interest expense | 430,000 | 843,000 | 1,213,000 | 1,513,000 |
| Net interest income | 1,836,000 | 3,670,000 | 5,460,000 | 7,135,000 |
| Noninterest income | 145,000 | 445,000 | 680,000 | 918,000 |
| Noninterest expense | 1,174,000 | 2,309,000 | 3,367,000 | 4,752,000 |
| Provision for loan losses | 470,000 | 915,000 | 1,275,000 | 1,377,000 |
| Pretax income | 337,000 | 891,000 | 1,499,000 | 1,925,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 335,000 | 887,000 | 1,493,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,193,000 | 15,527,000 | 15,842,000 | 15,995,000 |
| Total capital | 16,929,000 | 17,255,000 | 17,468,000 | 17,595,000 |
| Risk-weighted assets | 135,376,000 | 131,899,000 | 125,451,000 | 123,580,000 |