Call reports 2007
WOODBURY BANKING COMPANY, THE — 2007
What WOODBURY BANKING COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 24,923,000 | 22,886,000 | 22,449,000 | 27,858,000 |
| Total loans | 15,681,000 | 14,643,000 | 14,563,000 | 14,748,000 |
| Allowance for loan losses | 218,000 | 224,000 | 223,000 | 213,000 |
| Securities available for sale | 2,866,000 | 3,190,000 | 2,503,000 | 4,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,535,000 | 20,482,000 | 19,953,000 | 25,491,000 |
| Interest-bearing deposits | 18,000,000 | 15,372,000 | 15,700,000 | 20,535,000 |
| Noninterest-bearing deposits | 4,535,000 | 5,110,000 | 4,253,000 | 4,956,000 |
| Equity capital | 2,171,000 | 2,234,000 | 2,292,000 | 2,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 830,000 | 1,216,000 | 1,618,000 |
| Interest expense | 166,000 | 330,000 | 479,000 | 625,000 |
| Net interest income | 243,000 | 500,000 | 737,000 | 993,000 |
| Noninterest income | 29,000 | 53,000 | 82,000 | 108,000 |
| Noninterest expense | 207,000 | 407,000 | 607,000 | 854,000 |
| Provision for loan losses | 10,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 55,000 | 131,000 | 197,000 | 232,000 |
| Income tax | 9,000 | 25,000 | 42,000 | 68,000 |
| Net income | 46,000 | 106,000 | 155,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,195,000 | 2,256,000 | 2,305,000 | 2,257,000 |
| Total capital | 2,393,000 | 2,435,000 | 2,482,000 | 2,395,000 |
| Risk-weighted assets | 15,143,000 | 13,696,000 | 13,363,000 | 14,605,000 |
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