Call reports 2016
WOODSBORO BANK — 2016
What WOODSBORO BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 236,979,000 | 238,250,000 | 237,933,000 | 229,370,000 |
| Total loans | 151,509,000 | 145,827,000 | 145,330,000 | 145,642,000 |
| Allowance for loan losses | 2,302,000 | 2,185,000 | 2,146,000 | 2,132,000 |
| Securities available for sale | 48,823,000 | 47,963,000 | 44,955,000 | 45,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,917,000 | 206,421,000 | 206,035,000 | 197,904,000 |
| Interest-bearing deposits | 137,208,000 | 136,288,000 | 135,312,000 | 132,306,000 |
| Noninterest-bearing deposits | 67,709,000 | 70,133,000 | 70,723,000 | 65,598,000 |
| Equity capital | 21,049,000 | 21,345,000 | 21,374,000 | 20,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,011,000 | 3,971,000 | 5,897,000 | 7,799,000 |
| Interest expense | 211,000 | 414,000 | 616,000 | 816,000 |
| Net interest income | 1,800,000 | 3,557,000 | 5,281,000 | 6,983,000 |
| Noninterest income | 316,000 | 657,000 | 1,003,000 | 1,339,000 |
| Noninterest expense | 1,921,000 | 3,845,000 | 5,729,000 | 7,655,000 |
| Provision for loan losses | 0 | -95,000 | -145,000 | -165,000 |
| Pretax income | 196,000 | 465,000 | 701,000 | 833,000 |
| Income tax | 37,000 | 102,000 | 145,000 | 167,000 |
| Net income | 159,000 | 363,000 | 556,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,428,000 | 19,680,000 | 19,892,000 | 19,906,000 |
| Total capital | 21,358,000 | 21,548,000 | 21,759,000 | 21,764,000 |
| Risk-weighted assets | 153,667,000 | 148,762,000 | 148,735,000 | 148,019,000 |