Call reports 2008
WOODSBORO BANK — 2008
What WOODSBORO 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 | 195,803,000 | 187,302,000 | 190,011,000 | 190,146,000 |
| Total loans | 140,780,000 | 140,452,000 | 143,813,000 | 146,896,000 |
| Allowance for loan losses | 2,474,000 | 1,823,000 | 1,812,000 | 1,782,000 |
| Securities available for sale | 30,191,000 | 28,287,000 | 25,422,000 | 25,244,000 |
| Securities held to maturity | 585,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,054,000 | 150,069,000 | 152,559,000 | 152,397,000 |
| Interest-bearing deposits | 122,864,000 | 114,834,000 | 116,490,000 | 118,264,000 |
| Noninterest-bearing deposits | 35,190,000 | 35,235,000 | 36,069,000 | 34,133,000 |
| Equity capital | 17,025,000 | 16,613,000 | 16,733,000 | 17,075,000 |
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 | 2,867,000 | 5,637,000 | 8,370,000 | 11,078,000 |
| Interest expense | 1,090,000 | 2,005,000 | 2,886,000 | 3,761,000 |
| Net interest income | 1,777,000 | 3,632,000 | 5,484,000 | 7,317,000 |
| Noninterest income | 274,000 | 580,000 | 869,000 | 1,162,000 |
| Noninterest expense | 1,654,000 | 3,376,000 | 5,123,000 | 6,871,000 |
| Provision for loan losses | 500,000 | 950,000 | 960,000 | 1,060,000 |
| Pretax income | -98,000 | -109,000 | 311,000 | 589,000 |
| Income tax | -107,000 | -197,000 | -93,000 | -40,000 |
| Net income | 9,000 | 88,000 | 404,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,639,000 | 16,593,000 | 16,909,000 | 17,008,000 |
| Total capital | 18,462,000 | 18,410,000 | 18,733,000 | 18,794,000 |
| Risk-weighted assets | 145,210,000 | 145,350,000 | 147,859,000 | 150,444,000 |
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