Call reports 2020
WOODSFIELD SAVINGS BANK — 2020
What WOODSFIELD SAVINGS 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 | 74,536,000 | 76,060,000 | 77,794,000 | 76,066,000 |
| Total loans | 44,350,000 | 45,926,000 | 48,618,000 | 49,186,000 |
| Allowance for loan losses | 364,000 | 377,000 | 383,000 | 397,000 |
| Securities available for sale | 10,788,000 | 11,110,000 | 11,722,000 | 10,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,286,000 | 69,656,000 | 71,351,000 | 68,607,000 |
| Interest-bearing deposits | 53,055,000 | 52,011,000 | 53,095,000 | 51,713,000 |
| Noninterest-bearing deposits | 15,231,000 | 17,645,000 | 18,256,000 | 16,894,000 |
| Equity capital | 5,927,000 | 6,050,000 | 6,121,000 | 7,102,000 |
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 | 694,000 | 1,391,000 | 2,098,000 | 2,829,000 |
| Interest expense | 102,000 | 195,000 | 283,000 | 358,000 |
| Net interest income | 592,000 | 1,196,000 | 1,815,000 | 2,471,000 |
| Noninterest income | 57,000 | 107,000 | 164,000 | 225,000 |
| Noninterest expense | 535,000 | 1,053,000 | 1,605,000 | 2,172,000 |
| Provision for loan losses | 16,000 | 34,000 | 47,000 | 71,000 |
| Pretax income | 98,000 | 216,000 | 327,000 | 453,000 |
| Income tax | 15,000 | 27,000 | 32,000 | 76,000 |
| Net income | 83,000 | 189,000 | 295,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,737,000 | 5,819,000 | 5,901,000 | 6,889,000 |
| Total capital | 6,101,000 | 6,196,000 | 6,284,000 | 7,286,000 |
| Risk-weighted assets | 37,442,000 | 38,979,000 | 41,183,000 | 42,171,000 |