Call reports 2019
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 89,695,000 | 91,148,000 | 94,680,000 | 103,381,000 |
| Total loans | 58,779,000 | 58,587,000 | 57,981,000 | 57,757,000 |
| Allowance for loan losses | 689,000 | 689,000 | 689,000 | 689,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,496,000 | 3,313,000 | 3,145,000 | 2,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,019,000 | 57,281,000 | 60,729,000 | 69,533,000 |
| Interest-bearing deposits | 56,019,000 | 57,281,000 | 60,729,000 | 69,533,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 31,859,000 | 32,017,000 | 32,213,000 | 32,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,555,000 | 2,367,000 | 3,158,000 |
| Interest expense | 176,000 | 381,000 | 616,000 | 910,000 |
| Net interest income | 596,000 | 1,174,000 | 1,751,000 | 2,248,000 |
| Noninterest income | 34,000 | 69,000 | 115,000 | 150,000 |
| Noninterest expense | 419,000 | 838,000 | 1,259,000 | 1,709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 405,000 | 607,000 | 689,000 |
| Income tax | 41,000 | 77,000 | 83,000 | 92,000 |
| Net income | 170,000 | 328,000 | 524,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,406,000 | 31,564,000 | 31,912,000 | 31,985,000 |
| Total capital | 32,005,000 | 32,149,000 | 32,492,000 | 32,560,000 |
| Risk-weighted assets | 47,905,000 | 46,733,000 | 46,338,000 | 45,911,000 |