Call reports 2014
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,236,000 | 91,029,000 | 90,745,000 | 89,070,000 |
| Total loans | 44,467,000 | 46,475,000 | 47,804,000 | 49,413,000 |
| Allowance for loan losses | 650,000 | 622,000 | 632,000 | 625,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,326,000 | 6,053,000 | 5,755,000 | 6,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,905,000 | 58,668,000 | 58,144,000 | 57,048,000 |
| Interest-bearing deposits | 59,905,000 | 58,668,000 | 58,144,000 | 57,048,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 30,438,000 | 30,506,000 | 30,596,000 | 30,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,264,000 | 1,921,000 | 2,611,000 |
| Interest expense | 78,000 | 150,000 | 219,000 | 285,000 |
| Net interest income | 545,000 | 1,114,000 | 1,702,000 | 2,326,000 |
| Noninterest income | 39,000 | 69,000 | 97,000 | 12,000 |
| Noninterest expense | 505,000 | 1,012,000 | 1,486,000 | 2,436,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 79,000 | 171,000 | 303,000 | -108,000 |
| Income tax | 13,000 | 36,000 | 79,000 | 16,000 |
| Net income | 66,000 | 135,000 | 224,000 | -124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,438,000 | 30,506,000 | 30,596,000 | 30,248,000 |
| Total capital | 30,919,000 | 31,009,000 | 31,104,000 | 30,754,000 |
| Risk-weighted assets | 38,338,000 | 40,082,000 | 40,550,000 | 40,385,000 |