Call reports 2019
WOODSFIELD SAVINGS BANK — 2019
What WOODSFIELD SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 71,091,000 | 69,048,000 | 68,973,000 | 70,293,000 |
| Total loans | 35,201,000 | 37,436,000 | 40,122,000 | 42,734,000 |
| Allowance for loan losses | 279,000 | 306,000 | 335,000 | 347,000 |
| Securities available for sale | 15,847,000 | 14,959,000 | 13,113,000 | 12,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,173,000 | 63,014,000 | 62,916,000 | 64,152,000 |
| Interest-bearing deposits | 51,795,000 | 50,110,000 | 51,022,000 | 51,935,000 |
| Noninterest-bearing deposits | 13,378,000 | 12,904,000 | 11,894,000 | 12,217,000 |
| Equity capital | 5,501,000 | 5,681,000 | 5,769,000 | 5,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,255,000 | 1,953,000 | 2,664,000 |
| Interest expense | 61,000 | 161,000 | 258,000 | 360,000 |
| Net interest income | 528,000 | 1,094,000 | 1,695,000 | 2,304,000 |
| Noninterest income | 45,000 | 102,000 | 149,000 | 192,000 |
| Noninterest expense | 510,000 | 995,000 | 1,528,000 | 2,032,000 |
| Provision for loan losses | 24,000 | 57,000 | 88,000 | 101,000 |
| Pretax income | 23,000 | 128,000 | 212,000 | 347,000 |
| Income tax | 9,000 | 18,000 | 7,000 | 44,000 |
| Net income | 14,000 | 110,000 | 205,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,476,000 | 5,548,000 | 5,619,000 | 5,678,000 |
| Total capital | 5,755,000 | 5,854,000 | 5,954,000 | 6,025,000 |
| Risk-weighted assets | 32,381,000 | 32,838,000 | 34,540,000 | 35,706,000 |