Call reports 2015
WOODSFIELD SAVINGS BANK — 2015
What WOODSFIELD SAVINGS 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 | 57,812,000 | 54,190,000 | 54,352,000 | 56,060,000 |
| Total loans | 18,229,000 | 18,609,000 | 19,555,000 | 20,669,000 |
| Allowance for loan losses | 149,000 | 143,000 | 164,000 | 158,000 |
| Securities available for sale | 22,606,000 | 22,462,000 | 21,658,000 | 20,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,191,000 | 48,896,000 | 48,962,000 | 50,333,000 |
| Interest-bearing deposits | 44,726,000 | 42,435,000 | 42,076,000 | 43,510,000 |
| Noninterest-bearing deposits | 7,465,000 | 6,461,000 | 6,886,000 | 6,823,000 |
| Equity capital | 5,218,000 | 5,011,000 | 5,217,000 | 5,217,000 |
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 | 371,000 | 764,000 | 1,180,000 | 1,582,000 |
| Interest expense | 38,000 | 85,000 | 121,000 | 156,000 |
| Net interest income | 333,000 | 679,000 | 1,059,000 | 1,426,000 |
| Noninterest income | 22,000 | 62,000 | 87,000 | 107,000 |
| Noninterest expense | 312,000 | 621,000 | 984,000 | 1,339,000 |
| Provision for loan losses | 17,000 | 49,000 | 57,000 | 73,000 |
| Pretax income | 26,000 | 71,000 | 108,000 | 125,000 |
| Income tax | -10,000 | -10,000 | -10,000 | -10,000 |
| Net income | 36,000 | 81,000 | 118,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,118,000 | 5,189,000 | 5,201,000 | 5,196,000 |
| Total capital | 5,267,000 | 5,332,000 | 5,365,000 | 5,354,000 |
| Risk-weighted assets | 20,374,000 | 20,116,000 | 20,261,000 | 21,273,000 |