Call reports 2005
WOODSBORO BANK — 2005
What WOODSBORO BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 163,346,000 | 165,863,000 | 168,952,000 | 167,370,000 |
| Total loans | 100,035,000 | 108,671,000 | 111,685,000 | 111,455,000 |
| Allowance for loan losses | 1,467,000 | 1,535,000 | 1,564,000 | 1,590,000 |
| Securities available for sale | 39,695,000 | 39,514,000 | 35,691,000 | 36,811,000 |
| Securities held to maturity | 1,102,000 | 1,102,000 | 1,103,000 | 1,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,679,000 | 145,712,000 | 145,419,000 | 146,618,000 |
| Interest-bearing deposits | 109,156,000 | 108,437,000 | 106,005,000 | 107,884,000 |
| Noninterest-bearing deposits | 34,523,000 | 37,275,000 | 39,414,000 | 38,734,000 |
| Equity capital | 13,988,000 | 14,512,000 | 14,804,000 | 15,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,983,000 | 4,078,000 | 6,291,000 | 8,555,000 |
| Interest expense | 479,000 | 974,000 | 1,493,000 | 2,062,000 |
| Net interest income | 1,504,000 | 3,104,000 | 4,798,000 | 6,493,000 |
| Noninterest income | 238,000 | 510,000 | 783,000 | 1,112,000 |
| Noninterest expense | 1,265,000 | 2,579,000 | 3,868,000 | 5,281,000 |
| Provision for loan losses | 15,000 | 85,000 | 120,000 | 170,000 |
| Pretax income | 462,000 | 951,000 | 1,594,000 | 2,155,000 |
| Income tax | 119,000 | 248,000 | 439,000 | 600,000 |
| Net income | 343,000 | 703,000 | 1,155,000 | 1,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,091,000 | 14,375,000 | 14,827,000 | 15,151,000 |
| Total capital | 15,419,000 | 15,760,000 | 16,264,000 | 16,571,000 |
| Risk-weighted assets | 106,099,000 | 110,686,000 | 114,841,000 | 113,400,000 |
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