Call reports 2023
WOODSFIELD SAVINGS BANK — 2023
What WOODSFIELD SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 102,737,000 | 103,336,000 | 100,733,000 | 102,970,000 |
| Total loans | 66,726,000 | 68,234,000 | 69,075,000 | 70,240,000 |
| Allowance for loan losses | 687,000 | 713,000 | 711,000 | 726,000 |
| Securities available for sale | 20,080,000 | 19,940,000 | 18,688,000 | 19,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,563,000 | 95,082,000 | 92,721,000 | 94,097,000 |
| Interest-bearing deposits | 72,618,000 | 73,992,000 | 71,547,000 | 73,346,000 |
| Noninterest-bearing deposits | 21,945,000 | 21,090,000 | 21,174,000 | 20,751,000 |
| Equity capital | 7,993,000 | 7,972,000 | 7,772,000 | 8,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,139,000 | 3,253,000 | 4,401,000 |
| Interest expense | 138,000 | 343,000 | 579,000 | 850,000 |
| Net interest income | 878,000 | 1,796,000 | 2,674,000 | 3,551,000 |
| Noninterest income | 163,000 | 278,000 | 379,000 | 443,000 |
| Noninterest expense | 670,000 | 1,403,000 | 2,164,000 | 3,018,000 |
| Provision for loan losses | 26,000 | 53,000 | 92,000 | 131,000 |
| Pretax income | 345,000 | 618,000 | 797,000 | 783,000 |
| Income tax | 64,000 | 111,000 | 88,000 | 102,000 |
| Net income | 281,000 | 507,000 | 709,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,043,000 | 9,235,000 | 9,421,000 | 9,360,000 |
| Total capital | 9,730,000 | 9,948,000 | 10,132,000 | 10,086,000 |
| Risk-weighted assets | 56,219,000 | 58,625,000 | 60,995,000 | 59,213,000 |