Call reports 2022
WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. — 2022
What WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 101,712,000 | 99,016,000 | 99,704,000 | 99,709,000 |
| Total loans | 60,987,000 | 63,794,000 | 65,383,000 | 65,202,000 |
| Allowance for loan losses | 282,000 | 288,000 | 295,000 | 302,000 |
| Securities available for sale | 21,437,000 | 20,772,000 | 19,915,000 | 20,498,000 |
| Securities held to maturity | 83,000 | 74,000 | 65,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,498,000 | 85,664,000 | 83,615,000 | 81,621,000 |
| Interest-bearing deposits | 83,306,000 | 80,907,000 | 79,112,000 | 77,011,000 |
| Noninterest-bearing deposits | 5,192,000 | 4,757,000 | 4,503,000 | 4,610,000 |
| Equity capital | 12,875,000 | 12,645,000 | 12,151,000 | 12,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,443,000 | 2,207,000 | 3,001,000 |
| Interest expense | 79,000 | 159,000 | 255,000 | 428,000 |
| Net interest income | 625,000 | 1,284,000 | 1,952,000 | 2,573,000 |
| Noninterest income | 19,000 | 43,000 | 73,000 | 94,000 |
| Noninterest expense | 465,000 | 931,000 | 1,407,000 | 1,896,000 |
| Provision for loan losses | 7,000 | 14,000 | 20,000 | 27,000 |
| Pretax income | 172,000 | 382,000 | 598,000 | 744,000 |
| Income tax | 53,000 | 109,000 | 184,000 | 228,000 |
| Net income | 119,000 | 273,000 | 414,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,884,000 | 14,038,000 | 14,179,000 | 14,281,000 |
| Total capital | 14,166,000 | 14,326,000 | 14,474,000 | 14,583,000 |
| Risk-weighted assets | 40,627,000 | 42,182,000 | 42,975,000 | 42,869,000 |