Call reports 2014
WOODFORD STATE BANK — 2014
What WOODFORD STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 179,297,000 | 180,510,000 | 178,842,000 | 185,162,000 |
| Total loans | 114,283,000 | 117,048,000 | 117,899,000 | 117,676,000 |
| Allowance for loan losses | 2,768,000 | 2,713,000 | 2,702,000 | 2,692,000 |
| Securities available for sale | 3,161,000 | 4,797,000 | 4,586,000 | 4,445,000 |
| Securities held to maturity | 29,631,000 | 28,778,000 | 28,402,000 | 27,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,820,000 | 158,707,000 | 157,948,000 | 163,640,000 |
| Interest-bearing deposits | 135,173,000 | 134,804,000 | 134,363,000 | 136,707,000 |
| Noninterest-bearing deposits | 22,647,000 | 23,903,000 | 23,585,000 | 26,933,000 |
| Equity capital | 17,367,000 | 17,014,000 | 17,067,000 | 17,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,681,000 | 3,460,000 | 5,210,000 | 6,942,000 |
| Interest expense | 150,000 | 298,000 | 442,000 | 576,000 |
| Net interest income | 1,531,000 | 3,162,000 | 4,768,000 | 6,366,000 |
| Noninterest income | 185,000 | 361,000 | 593,000 | 792,000 |
| Noninterest expense | 1,121,000 | 2,261,000 | 3,432,000 | 4,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 595,000 | 1,262,000 | 1,929,000 | 2,477,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 10,000 |
| Net income | 592,000 | 1,257,000 | 1,922,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,912,000 | 16,560,000 | 16,672,000 | 17,318,000 |
| Total capital | 18,460,000 | 18,167,000 | 18,294,000 | 18,933,000 |
| Risk-weighted assets | 122,612,000 | 127,498,000 | 128,703,000 | 128,144,000 |