Call reports 2012
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,408,000 | 98,723,000 | 98,627,000 | 97,914,000 |
| Total loans | 52,317,000 | 50,912,000 | 48,354,000 | 45,670,000 |
| Allowance for loan losses | 652,000 | 630,000 | 683,000 | 671,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,424,000 | 3,935,000 | 3,455,000 | 3,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,861,000 | 67,228,000 | 66,885,000 | 66,249,000 |
| Interest-bearing deposits | 66,861,000 | 67,228,000 | 66,885,000 | 66,249,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 29,806,000 | 29,829,000 | 29,948,000 | 30,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 828,000 | 1,597,000 | 2,356,000 | 3,049,000 |
| Interest expense | 202,000 | 388,000 | 559,000 | 712,000 |
| Net interest income | 626,000 | 1,209,000 | 1,797,000 | 2,337,000 |
| Noninterest income | 49,000 | 94,000 | 4,000 | 3,000 |
| Noninterest expense | 494,000 | 1,118,000 | 1,407,000 | 1,885,000 |
| Provision for loan losses | 0 | 3,000 | 56,000 | 60,000 |
| Pretax income | 181,000 | 182,000 | 338,000 | 395,000 |
| Income tax | 46,000 | 24,000 | 61,000 | 82,000 |
| Net income | 135,000 | 158,000 | 277,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,806,000 | 29,829,000 | 29,948,000 | 30,005,000 |
| Total capital | 30,352,000 | 30,259,000 | 30,460,000 | 30,493,000 |
| Risk-weighted assets | 43,547,000 | 42,539,000 | 41,052,000 | 38,886,000 |