Call reports 2018
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2018
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 89,017,000 | 89,092,000 | 88,594,000 | 88,211,000 |
| Total loans | 55,761,000 | 57,166,000 | 57,851,000 | 57,655,000 |
| Allowance for loan losses | 685,000 | 685,000 | 689,000 | 689,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,258,000 | 4,049,000 | 3,840,000 | 3,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,687,000 | 55,686,000 | 55,083,000 | 54,805,000 |
| Interest-bearing deposits | 55,687,000 | 55,686,000 | 55,083,000 | 54,805,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 31,572,000 | 31,664,000 | 31,597,000 | 31,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 722,000 | 1,461,000 | 2,216,000 | 2,975,000 |
| Interest expense | 139,000 | 288,000 | 443,000 | 605,000 |
| Net interest income | 583,000 | 1,173,000 | 1,773,000 | 2,370,000 |
| Noninterest income | 36,000 | 72,000 | 108,000 | 142,000 |
| Noninterest expense | 471,000 | 990,000 | 1,536,000 | 2,076,000 |
| Provision for loan losses | 15,000 | 15,000 | 19,000 | 19,000 |
| Pretax income | 133,000 | 240,000 | 326,000 | 417,000 |
| Income tax | 30,000 | 46,000 | 138,000 | 136,000 |
| Net income | 103,000 | 194,000 | 188,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,065,000 | 31,157,000 | 31,144,000 | 31,236,000 |
| Total capital | 31,650,000 | 31,746,000 | 31,727,000 | 31,820,000 |
| Risk-weighted assets | 46,720,000 | 47,061,000 | 46,569,000 | 46,664,000 |