Call reports 2020
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2020
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 105,541,000 | 105,898,000 | 105,876,000 | 103,831,000 |
| Total loans | 57,739,000 | 56,931,000 | 57,281,000 | 57,544,000 |
| Allowance for loan losses | 659,000 | 629,000 | 599,000 | 569,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,805,000 | 2,631,000 | 2,444,000 | 2,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,568,000 | 71,909,000 | 71,826,000 | 69,951,000 |
| Interest-bearing deposits | 71,568,000 | 71,909,000 | 71,826,000 | 69,951,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 32,340,000 | 32,366,000 | 32,370,000 | 32,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,448,000 | 2,127,000 | 2,797,000 |
| Interest expense | 337,000 | 675,000 | 993,000 | 1,280,000 |
| Net interest income | 422,000 | 773,000 | 1,134,000 | 1,517,000 |
| Noninterest income | 34,000 | 75,000 | 101,000 | 126,000 |
| Noninterest expense | 433,000 | 830,000 | 1,251,000 | 1,684,000 |
| Provision for loan losses | -30,000 | -60,000 | -90,000 | -120,000 |
| Pretax income | 53,000 | 78,000 | 74,000 | 79,000 |
| Income tax | 0 | -2,000 | -9,000 | -35,000 |
| Net income | 53,000 | 80,000 | 83,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,039,000 | 32,065,000 | 32,069,000 | 32,100,000 |
| Total capital | 32,623,000 | — | — | — |
| Risk-weighted assets | 46,703,000 | — | — | — |