Call reports 2015
WOODFORD STATE BANK — 2015
What WOODFORD STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 185,959,000 | 185,814,000 | 186,840,000 | 191,598,000 |
| Total loans | 116,378,000 | 118,566,000 | 120,604,000 | 120,948,000 |
| Allowance for loan losses | 2,700,000 | 2,705,000 | 2,893,000 | 2,884,000 |
| Securities available for sale | 6,309,000 | 5,953,000 | 5,722,000 | 5,405,000 |
| Securities held to maturity | 32,206,000 | 35,659,000 | 34,045,000 | 34,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,034,000 | 163,659,000 | 163,671,000 | 167,338,000 |
| Interest-bearing deposits | 138,883,000 | 138,982,000 | 140,553,000 | 142,679,000 |
| Noninterest-bearing deposits | 26,151,000 | 24,677,000 | 23,118,000 | 24,659,000 |
| Equity capital | 17,607,000 | 17,264,000 | 17,424,000 | 17,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,699,000 | 3,512,000 | 5,322,000 | 7,136,000 |
| Interest expense | 120,000 | 238,000 | 372,000 | 504,000 |
| Net interest income | 1,579,000 | 3,274,000 | 4,950,000 | 6,632,000 |
| Noninterest income | 197,000 | 484,000 | 709,000 | 914,000 |
| Noninterest expense | 1,204,000 | 2,413,000 | 3,617,000 | 4,851,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 572,000 | 1,345,000 | 2,042,000 | 2,695,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 10,000 |
| Net income | 570,000 | 1,341,000 | 2,036,000 | 2,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,251,000 | 17,001,000 | 17,108,000 | 17,697,000 |
| Total capital | 18,827,000 | 18,632,000 | 18,771,000 | 19,350,000 |
| Risk-weighted assets | 124,965,000 | 129,470,000 | 131,816,000 | 131,052,000 |