Call reports 2025
WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 96,639,000 | 96,732,000 | 97,664,000 | 98,041,000 |
| Total loans | 61,980,000 | 63,939,000 | 64,764,000 | 65,157,000 |
| Allowance for loan losses | 700,000 | 700,000 | 700,000 | 700,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,020,000 | 14,481,000 | 13,951,000 | 13,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,678,000 | 61,828,000 | 62,571,000 | 63,211,000 |
| Interest-bearing deposits | 61,678,000 | 61,828,000 | 62,571,000 | 63,211,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 33,338,000 | 33,392,000 | 33,477,000 | 33,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,948,000 | 2,960,000 | 3,965,000 |
| Interest expense | 463,000 | 937,000 | 1,424,000 | 1,924,000 |
| Net interest income | 499,000 | 1,011,000 | 1,536,000 | 2,041,000 |
| Noninterest income | 37,000 | 75,000 | 110,000 | 144,000 |
| Noninterest expense | 473,000 | 963,000 | 1,433,000 | 1,892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 123,000 | 213,000 | 293,000 |
| Income tax | -1,000 | 5,000 | 10,000 | 19,000 |
| Net income | 64,000 | 118,000 | 203,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,947,000 | 33,000,000 | 33,084,000 | 33,155,000 |