Call reports 2015
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 88,666,000 | 88,279,000 | 88,555,000 | 87,610,000 |
| Total loans | 48,883,000 | 48,216,000 | 49,204,000 | 49,552,000 |
| Allowance for loan losses | 625,000 | 625,000 | 625,000 | 625,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,278,000 | 6,001,000 | 5,688,000 | 5,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,554,000 | 56,162,000 | 55,892,000 | 55,049,000 |
| Interest-bearing deposits | 56,554,000 | 56,162,000 | 55,892,000 | 55,049,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 30,339,000 | 30,412,000 | 30,833,000 | 30,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,305,000 | 1,963,000 | 2,628,000 |
| Interest expense | 63,000 | 128,000 | 196,000 | 266,000 |
| Net interest income | 591,000 | 1,177,000 | 1,767,000 | 2,362,000 |
| Noninterest income | 35,000 | 33,000 | 399,000 | 462,000 |
| Noninterest expense | 497,000 | 985,000 | 1,474,000 | 2,020,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 225,000 | 692,000 | 804,000 |
| Income tax | 38,000 | 60,000 | 107,000 | 136,000 |
| Net income | 91,000 | 165,000 | 585,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,137,000 | 29,908,000 | 30,329,000 | 30,412,000 |
| Total capital | 30,704,000 | 30,412,000 | 30,847,000 | 30,934,000 |
| Risk-weighted assets | 45,367,000 | 39,948,000 | 41,069,000 | 41,431,000 |