Call reports 2012
WOODFORD STATE BANK — 2012
What WOODFORD STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 176,949,000 | 177,108,000 | 171,623,000 | 178,455,000 |
| Total loans | 123,245,000 | 120,165,000 | 117,168,000 | 113,158,000 |
| Allowance for loan losses | 3,673,000 | 3,550,000 | 3,265,000 | 3,126,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,272,000 | 22,413,000 | 22,092,000 | 29,924,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,358,000 | 153,151,000 | 149,595,000 | 156,456,000 |
| Interest-bearing deposits | 133,395,000 | 130,533,000 | 128,626,000 | 132,362,000 |
| Noninterest-bearing deposits | 20,963,000 | 22,618,000 | 20,969,000 | 24,094,000 |
| Equity capital | 17,113,000 | 17,653,000 | 17,181,000 | 17,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 3,940,000 | 5,823,000 | 7,999,000 |
| Interest expense | 265,000 | 513,000 | 747,000 | 1,024,000 |
| Net interest income | 1,745,000 | 3,427,000 | 5,076,000 | 6,975,000 |
| Noninterest income | 254,000 | 523,000 | 745,000 | 1,018,000 |
| Noninterest expense | 1,263,000 | 2,446,000 | 3,616,000 | 4,800,000 |
| Provision for loan losses | 176,000 | 176,000 | 250,000 | 560,000 |
| Pretax income | 560,000 | 1,329,000 | 1,958,000 | 2,636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 560,000 | 1,329,000 | 1,958,000 | 2,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,399,000 | 16,971,000 | 16,532,000 | 16,443,000 |
| Total capital | 17,986,000 | 18,523,000 | 18,058,000 | 17,973,000 |
| Risk-weighted assets | 123,335,000 | 120,580,000 | 118,899,000 | 126,767,000 |