Call reports 2022
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2022
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 101,153,000 | 99,159,000 | 94,700,000 | 93,674,000 |
| Total loans | 55,748,000 | 55,227,000 | 55,858,000 | 57,143,000 |
| Allowance for loan losses | 569,000 | 569,000 | 569,000 | 569,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,517,000 | 13,149,000 | 12,750,000 | 12,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,010,000 | 64,943,000 | 60,258,000 | 59,234,000 |
| Interest-bearing deposits | 67,010,000 | 64,943,000 | 60,258,000 | 59,234,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 32,613,000 | 32,653,000 | 32,788,000 | 32,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,378,000 | 2,124,000 | 2,906,000 |
| Interest expense | 202,000 | 382,000 | 539,000 | 709,000 |
| Net interest income | 502,000 | 996,000 | 1,585,000 | 2,197,000 |
| Noninterest income | 34,000 | 67,000 | 106,000 | 163,000 |
| Noninterest expense | 466,000 | 953,000 | 1,418,000 | 1,884,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 110,000 | 273,000 | 476,000 |
| Income tax | 10,000 | 10,000 | 38,000 | 76,000 |
| Net income | 60,000 | 100,000 | 235,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,312,000 | 32,376,000 | 32,511,000 | 32,675,000 |