Call reports 2004
WOODSBORO BANK — 2004
What WOODSBORO BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,727,000 | 159,547,000 | 159,757,000 | 163,356,000 |
| Total loans | 90,750,000 | 94,445,000 | 97,441,000 | 99,683,000 |
| Allowance for loan losses | 1,337,000 | 1,405,000 | 1,414,000 | 1,451,000 |
| Securities available for sale | 38,213,000 | 37,641,000 | 39,555,000 | 40,414,000 |
| Securities held to maturity | 2,601,000 | 2,101,000 | 2,101,000 | 1,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,933,000 | 141,062,000 | 140,539,000 | 143,726,000 |
| Interest-bearing deposits | 106,583,000 | 110,180,000 | 109,937,000 | 109,187,000 |
| Noninterest-bearing deposits | 28,350,000 | 30,882,000 | 30,602,000 | 34,539,000 |
| Equity capital | 13,305,000 | 12,961,000 | 13,636,000 | 14,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,756,000 | 3,561,000 | 5,404,000 | 7,575,000 |
| Interest expense | 472,000 | 953,000 | 1,439,000 | 1,927,000 |
| Net interest income | 1,284,000 | 2,608,000 | 3,965,000 | 5,648,000 |
| Noninterest income | 236,000 | 490,000 | 733,000 | 1,012,000 |
| Noninterest expense | 1,178,000 | 2,360,000 | 3,563,000 | 4,764,000 |
| Provision for loan losses | 20,000 | 90,000 | 65,000 | 95,000 |
| Pretax income | 322,000 | 648,000 | 1,070,000 | 1,801,000 |
| Income tax | 79,000 | 148,000 | 253,000 | 470,000 |
| Net income | 243,000 | 500,000 | 817,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,918,000 | 13,103,000 | 13,421,000 | 13,859,000 |
| Total capital | 14,161,000 | 14,385,000 | 14,725,000 | 15,199,000 |
| Risk-weighted assets | 99,335,000 | 102,459,000 | 104,218,000 | 107,100,000 |
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