Call reports 2021
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2021
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 104,474,000 | 104,574,000 | 104,442,000 | 103,533,000 |
| Total loans | 57,215,000 | 58,054,000 | 58,385,000 | 56,914,000 |
| Allowance for loan losses | 569,000 | 569,000 | 569,000 | 569,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,113,000 | 9,788,000 | 9,381,000 | 10,902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,498,000 | 70,530,000 | 70,294,000 | 69,524,000 |
| Interest-bearing deposits | 70,498,000 | 70,530,000 | 70,294,000 | 69,524,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 32,409,000 | 32,465,000 | 32,503,000 | 32,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,383,000 | 2,060,000 | 2,716,000 |
| Interest expense | 256,000 | 496,000 | 722,000 | 941,000 |
| Net interest income | 417,000 | 887,000 | 1,338,000 | 1,775,000 |
| Noninterest income | 35,000 | 86,000 | 122,000 | 186,000 |
| Noninterest expense | 451,000 | 909,000 | 1,356,000 | 1,802,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,000 | 64,000 | 104,000 | 159,000 |
| Income tax | -8,000 | 0 | 2,000 | 7,000 |
| Net income | 9,000 | 64,000 | 102,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,108,000 | 32,164,000 | 32,202,000 | 32,252,000 |
| Total capital | — | 32,733,000 | — | — |
| Risk-weighted assets | — | 49,022,000 | — | — |