Call reports 2003
WOODTRUST BANK — 2003
What WOODTRUST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 230,688,000 | 240,477,000 | 241,558,000 | 246,645,000 |
| Total loans | 160,621,000 | 162,090,000 | 162,888,000 | 156,336,000 |
| Allowance for loan losses | 2,599,000 | 2,628,000 | 2,661,000 | 2,533,000 |
| Securities available for sale | 54,592,000 | 56,836,000 | 58,584,000 | 53,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,053,000 | 191,447,000 | 188,201,000 | 194,960,000 |
| Interest-bearing deposits | 150,742,000 | 153,866,000 | 150,510,000 | 158,050,000 |
| Noninterest-bearing deposits | 33,311,000 | 37,581,000 | 37,691,000 | 36,910,000 |
| Equity capital | 34,408,000 | 35,926,000 | 36,378,000 | 33,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,955,000 | 5,856,000 | 8,584,000 | 11,388,000 |
| Interest expense | 808,000 | 1,582,000 | 2,324,000 | 3,023,000 |
| Net interest income | 2,147,000 | 4,274,000 | 6,260,000 | 8,365,000 |
| Noninterest income | 725,000 | 1,604,000 | 2,425,000 | 2,905,000 |
| Noninterest expense | 1,165,000 | 2,363,000 | 3,611,000 | 5,135,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 270,000 |
| Pretax income | 1,677,000 | 3,442,000 | 4,985,000 | 5,865,000 |
| Income tax | 12,000 | 30,000 | 42,000 | 58,000 |
| Net income | 1,665,000 | 3,412,000 | 4,943,000 | 5,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,654,000 | 34,790,000 | 35,713,000 | 33,290,000 |
| Total capital | 35,839,000 | 36,916,000 | 37,937,000 | 35,488,000 |
| Risk-weighted assets | 174,378,000 | 169,538,000 | 177,444,000 | 175,493,000 |