Call reports 2007
WOODLANDS BANK — 2007
What WOODLANDS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 238,914,000 | 240,195,000 | 245,191,000 | 248,029,000 |
| Total loans | 183,292,000 | 180,134,000 | 189,738,000 | 189,455,000 |
| Allowance for loan losses | 2,119,000 | 2,218,000 | 2,190,000 | 1,875,000 |
| Securities available for sale | 36,909,000 | 37,515,000 | 37,323,000 | 37,783,000 |
| Securities held to maturity | 165,000 | 140,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,693,000 | 181,828,000 | 185,272,000 | 187,122,000 |
| Interest-bearing deposits | 153,584,000 | 157,290,000 | 161,054,000 | 160,912,000 |
| Noninterest-bearing deposits | 26,109,000 | 24,538,000 | 24,218,000 | 26,210,000 |
| Equity capital | 18,322,000 | 18,387,000 | 18,860,000 | 17,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,604,000 | 7,357,000 | 11,214,000 | 15,043,000 |
| Interest expense | 1,747,000 | 3,636,000 | 5,555,000 | 7,470,000 |
| Net interest income | 1,857,000 | 3,721,000 | 5,659,000 | 7,573,000 |
| Noninterest income | 516,000 | 1,175,000 | 1,766,000 | 2,464,000 |
| Noninterest expense | 1,881,000 | 3,684,000 | 5,477,000 | 7,296,000 |
| Provision for loan losses | 106,000 | 220,000 | 353,000 | 3,139,000 |
| Pretax income | 386,000 | 992,000 | 1,596,000 | -397,000 |
| Income tax | 44,000 | 166,000 | 288,000 | -453,000 |
| Net income | 342,000 | 826,000 | 1,308,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,963,000 | 18,220,000 | 18,497,000 | 16,964,000 |
| Total capital | 20,082,000 | 20,438,000 | 20,687,000 | 18,839,000 |
| Risk-weighted assets | 188,754,000 | 187,827,000 | 194,190,000 | 193,179,000 |
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