Call reports 2007
WOODSBORO BANK — 2007
What WOODSBORO 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 | 176,952,000 | 182,990,000 | 179,691,000 | 193,615,000 |
| Total loans | 125,975,000 | 130,063,000 | 133,116,000 | 139,250,000 |
| Allowance for loan losses | 1,765,000 | 1,760,000 | 1,795,000 | 1,987,000 |
| Securities available for sale | 26,643,000 | 26,046,000 | 29,955,000 | 25,931,000 |
| Securities held to maturity | 1,104,000 | 839,000 | 840,000 | 740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,111,000 | 161,077,000 | 157,136,000 | 160,778,000 |
| Interest-bearing deposits | 119,683,000 | 124,940,000 | 122,457,000 | 125,779,000 |
| Noninterest-bearing deposits | 35,428,000 | 36,137,000 | 34,679,000 | 34,999,000 |
| Equity capital | 16,224,000 | 16,303,000 | 16,833,000 | 17,064,000 |
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 | 2,644,000 | 5,430,000 | 8,254,000 | 11,164,000 |
| Interest expense | 937,000 | 1,984,000 | 3,060,000 | 4,183,000 |
| Net interest income | 1,707,000 | 3,446,000 | 5,194,000 | 6,981,000 |
| Noninterest income | 257,000 | 548,000 | 835,000 | 1,076,000 |
| Noninterest expense | 1,514,000 | 3,060,000 | 4,602,000 | 6,272,000 |
| Provision for loan losses | 15,000 | 15,000 | 55,000 | 250,000 |
| Pretax income | 435,000 | 919,000 | 1,372,000 | 1,535,000 |
| Income tax | 102,000 | 224,000 | 333,000 | 330,000 |
| Net income | 333,000 | 695,000 | 1,039,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,185,000 | 16,439,000 | 16,784,000 | 16,832,000 |
| Total capital | 17,833,000 | 18,129,000 | 18,501,000 | 18,614,000 |
| Risk-weighted assets | 131,756,000 | 135,141,000 | 137,249,000 | 142,381,000 |
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