Call reports 2020
WOODFORD STATE BANK — 2020
What WOODFORD STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 256,172,000 | 278,805,000 | 291,794,000 | 301,037,000 |
| Total loans | 171,068,000 | 179,107,000 | 192,488,000 | 194,741,000 |
| Allowance for loan losses | 2,729,000 | 2,732,000 | 2,688,000 | 2,686,000 |
| Securities available for sale | 61,307,000 | 73,493,000 | 76,823,000 | 77,775,000 |
| Securities held to maturity | 2,200,000 | 2,200,000 | 2,200,000 | 2,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,880,000 | 215,097,000 | 216,407,000 | 227,457,000 |
| Interest-bearing deposits | 174,961,000 | 187,270,000 | 186,569,000 | 198,037,000 |
| Noninterest-bearing deposits | 21,919,000 | 27,827,000 | 29,838,000 | 29,420,000 |
| Equity capital | 24,494,000 | 25,770,000 | 26,340,000 | 27,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,725,000 | 5,911,000 | 8,722,000 | 11,533,000 |
| Interest expense | 481,000 | 933,000 | 1,365,000 | 1,753,000 |
| Net interest income | 2,244,000 | 4,978,000 | 7,357,000 | 9,780,000 |
| Noninterest income | 316,000 | 907,000 | 1,462,000 | 2,110,000 |
| Noninterest expense | 1,523,000 | 3,236,000 | 4,928,000 | 6,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,067,000 | 2,686,000 | 3,941,000 | 5,163,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 1,064,000 | 2,679,000 | 3,931,000 | 5,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,803,000 | 23,144,000 | 23,546,000 | 24,765,000 |
| Total capital | 25,168,000 | — | — | — |
| Risk-weighted assets | 188,839,000 | — | — | — |