Call reports 2013
WOODFORD STATE BANK — 2013
What WOODFORD STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 177,242,000 | 173,769,000 | 176,144,000 | 178,758,000 |
| Total loans | 113,417,000 | 113,015,000 | 113,719,000 | 111,943,000 |
| Allowance for loan losses | 3,108,000 | 2,830,000 | 2,769,000 | 2,758,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,429,000 | 31,777,000 | 31,036,000 | 29,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,392,000 | 152,545,000 | 153,918,000 | 155,676,000 |
| Interest-bearing deposits | 133,214,000 | 131,333,000 | 132,955,000 | 134,454,000 |
| Noninterest-bearing deposits | 23,178,000 | 21,212,000 | 20,963,000 | 21,222,000 |
| Equity capital | 17,281,000 | 16,848,000 | 16,842,000 | 17,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,764,000 | 3,537,000 | 5,259,000 | 6,976,000 |
| Interest expense | 181,000 | 354,000 | 520,000 | 675,000 |
| Net interest income | 1,583,000 | 3,183,000 | 4,739,000 | 6,301,000 |
| Noninterest income | 271,000 | 588,000 | 787,000 | 1,013,000 |
| Noninterest expense | 1,169,000 | 2,358,000 | 3,593,000 | 4,755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 685,000 | 1,413,000 | 1,933,000 | 2,550,000 |
| Income tax | 14,000 | 15,000 | 17,000 | 19,000 |
| Net income | 671,000 | 1,398,000 | 1,916,000 | 2,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,697,000 | 16,296,000 | 16,323,000 | 16,910,000 |
| Total capital | 18,293,000 | 17,819,000 | 17,857,000 | 18,439,000 |
| Risk-weighted assets | 126,171,000 | 120,512,000 | 121,490,000 | 121,069,000 |