Call reports 2008
WOODLANDS BANK — 2008
What WOODLANDS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 256,980,000 | 256,124,000 | 261,188,000 | 249,808,000 |
| Total loans | 188,149,000 | 189,057,000 | 194,787,000 | 195,341,000 |
| Allowance for loan losses | 1,999,000 | 2,436,000 | 2,690,000 | 3,497,000 |
| Securities available for sale | 38,021,000 | 41,489,000 | 41,293,000 | 38,156,000 |
| Securities held to maturity | 140,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,170,000 | 193,060,000 | 195,846,000 | 187,552,000 |
| Interest-bearing deposits | 166,025,000 | 165,366,000 | 168,816,000 | 159,905,000 |
| Noninterest-bearing deposits | 27,145,000 | 27,694,000 | 27,030,000 | 27,647,000 |
| Equity capital | 18,313,000 | 18,302,000 | 17,611,000 | 17,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,791,000 | 7,405,000 | 11,078,000 | 14,670,000 |
| Interest expense | 1,838,000 | 3,539,000 | 5,181,000 | 6,707,000 |
| Net interest income | 1,953,000 | 3,866,000 | 5,897,000 | 7,963,000 |
| Noninterest income | 600,000 | 1,196,000 | 1,807,000 | 2,330,000 |
| Noninterest expense | 1,918,000 | 3,776,000 | 5,635,000 | 7,497,000 |
| Provision for loan losses | 117,000 | 169,000 | 186,000 | 1,226,000 |
| Pretax income | 518,000 | 1,117,000 | 1,182,000 | 836,000 |
| Income tax | 79,000 | 202,000 | 135,000 | -64,000 |
| Net income | 439,000 | 915,000 | 1,047,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,861,000 | 18,100,000 | 18,082,000 | 17,872,000 |
| Total capital | 19,860,000 | 20,536,000 | 20,497,000 | 20,244,000 |
| Risk-weighted assets | 193,508,000 | 197,628,000 | 192,954,000 | 188,654,000 |
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