Call reports 2016
WOODSFIELD SAVINGS BANK — 2016
What WOODSFIELD SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 54,239,000 | 53,815,000 | 54,593,000 | 55,210,000 |
| Total loans | 21,476,000 | 21,328,000 | 22,428,000 | 21,989,000 |
| Allowance for loan losses | 180,000 | 179,000 | 171,000 | 174,000 |
| Securities available for sale | 21,225,000 | 18,105,000 | 15,517,000 | 16,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,273,000 | 47,778,000 | 48,584,000 | 49,673,000 |
| Interest-bearing deposits | 41,078,000 | 41,697,000 | 41,841,000 | 42,927,000 |
| Noninterest-bearing deposits | 7,195,000 | 6,081,000 | 6,743,000 | 6,746,000 |
| Equity capital | 5,421,000 | 5,510,000 | 5,518,000 | 5,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 809,000 | 1,215,000 | 1,634,000 |
| Interest expense | 31,000 | 62,000 | 93,000 | 125,000 |
| Net interest income | 392,000 | 747,000 | 1,122,000 | 1,509,000 |
| Noninterest income | 62,000 | 80,000 | 103,000 | 130,000 |
| Noninterest expense | 336,000 | 662,000 | 978,000 | 1,283,000 |
| Provision for loan losses | 9,000 | 16,000 | 17,000 | 19,000 |
| Pretax income | 109,000 | 149,000 | 230,000 | 337,000 |
| Income tax | 19,000 | 20,000 | 20,000 | 51,000 |
| Net income | 90,000 | 129,000 | 210,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,262,000 | 5,277,000 | 5,334,000 | 5,371,000 |
| Total capital | 5,442,000 | 5,456,000 | 5,505,000 | 5,545,000 |
| Risk-weighted assets | 21,563,000 | 21,899,000 | 21,016,000 | 20,441,000 |