Call reports 2023
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2023
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 95,701,000 | 96,179,000 | 95,981,000 | 95,673,000 |
| Total loans | 57,451,000 | 57,511,000 | 56,866,000 | 58,665,000 |
| Allowance for loan losses | 569,000 | 569,000 | 700,000 | 700,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,116,000 | 11,779,000 | 13,437,000 | 13,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,039,000 | 61,495,000 | 61,266,000 | 61,044,000 |
| Interest-bearing deposits | 61,039,000 | 61,495,000 | 61,266,000 | 61,044,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 33,044,000 | 33,121,000 | 33,015,000 | 33,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,736,000 | 2,681,000 | 3,605,000 |
| Interest expense | 285,000 | 634,000 | 1,032,000 | 1,452,000 |
| Net interest income | 569,000 | 1,102,000 | 1,649,000 | 2,153,000 |
| Noninterest income | 33,000 | 65,000 | 100,000 | 134,000 |
| Noninterest expense | 502,000 | 989,000 | 1,497,000 | 1,991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 178,000 | 252,000 | 296,000 |
| Income tax | 8,000 | 9,000 | 8,000 | 4,000 |
| Net income | 92,000 | 169,000 | 244,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,767,000 | 32,844,000 | 32,738,000 | 32,743,000 |