Call reports 2025
WOODSFIELD SAVINGS BANK — 2025
What WOODSFIELD SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 113,766,000 | 114,089,000 | 112,521,000 | 115,054,000 |
| Total loans | 79,379,000 | 81,222,000 | 82,738,000 | 85,403,000 |
| Allowance for loan losses | 738,000 | 766,000 | 802,000 | 842,000 |
| Securities available for sale | 19,297,000 | 18,842,000 | 19,162,000 | 19,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,392,000 | 104,528,000 | 102,558,000 | 104,844,000 |
| Interest-bearing deposits | 80,398,000 | 80,705,000 | 77,429,000 | 79,273,000 |
| Noninterest-bearing deposits | 23,994,000 | 23,823,000 | 25,129,000 | 25,571,000 |
| Equity capital | 8,832,000 | 9,079,000 | 9,500,000 | 9,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,887,000 | 4,410,000 | 5,987,000 |
| Interest expense | 407,000 | 796,000 | 1,144,000 | 1,468,000 |
| Net interest income | 999,000 | 2,091,000 | 3,266,000 | 4,519,000 |
| Noninterest income | 118,000 | 252,000 | 389,000 | 522,000 |
| Noninterest expense | 866,000 | 1,829,000 | 2,731,000 | 3,728,000 |
| Provision for loan losses | 60,000 | 90,000 | 134,000 | 177,000 |
| Pretax income | 116,000 | 335,000 | 699,000 | 1,002,000 |
| Income tax | 10,000 | 30,000 | 96,000 | 63,000 |
| Net income | 106,000 | 305,000 | 603,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,614,000 | 9,774,000 | 10,034,000 | 10,142,000 |
| Total capital | 10,419,000 | 10,619,000 | 10,888,000 | 11,028,000 |
| Risk-weighted assets | 67,025,000 | 67,639,000 | 68,304,000 | 70,872,000 |