Call reports 2013
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,933,000 | 96,399,000 | 95,289,000 | 93,657,000 |
| Total loans | 43,652,000 | 43,864,000 | 42,963,000 | 43,190,000 |
| Allowance for loan losses | 644,000 | 650,000 | 645,000 | 650,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,665,000 | 3,293,000 | 3,895,000 | 5,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,053,000 | 64,378,000 | 63,003,000 | 61,512,000 |
| Interest-bearing deposits | 66,053,000 | 64,378,000 | 63,003,000 | 61,512,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 30,114,000 | 30,199,000 | 30,281,000 | 30,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 699,000 | 1,311,000 | 1,974,000 | 2,624,000 |
| Interest expense | 133,000 | 252,000 | 357,000 | 449,000 |
| Net interest income | 566,000 | 1,059,000 | 1,617,000 | 2,175,000 |
| Noninterest income | 32,000 | 93,000 | 112,000 | 153,000 |
| Noninterest expense | 465,000 | 896,000 | 1,380,000 | 1,846,000 |
| Provision for loan losses | -10,000 | -4,000 | -9,000 | -4,000 |
| Pretax income | 143,000 | 260,000 | 358,000 | 486,000 |
| Income tax | 34,000 | 67,000 | 83,000 | 120,000 |
| Net income | 109,000 | 193,000 | 275,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,114,000 | 30,199,000 | 30,281,000 | 30,371,000 |
| Total capital | 30,580,000 | 30,664,000 | 30,742,000 | 30,838,000 |
| Risk-weighted assets | 37,160,000 | 36,977,000 | 36,677,000 | 37,143,000 |