Call reports 2004
WOODTRUST BANK — 2004
What WOODTRUST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 239,708,000 | 243,284,000 | 243,012,000 | 250,228,000 |
| Total loans | 157,385,000 | 159,149,000 | 156,294,000 | 157,691,000 |
| Allowance for loan losses | 2,561,000 | 2,586,000 | 2,600,000 | 2,430,000 |
| Securities available for sale | 58,883,000 | 59,001,000 | 58,369,000 | 56,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,338,000 | 194,676,000 | 187,322,000 | 197,252,000 |
| Interest-bearing deposits | 155,774,000 | 158,050,000 | 153,076,000 | 157,024,000 |
| Noninterest-bearing deposits | 35,564,000 | 36,626,000 | 34,246,000 | 40,228,000 |
| Equity capital | 30,915,000 | 30,792,000 | 31,806,000 | 28,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,692,000 | 5,388,000 | 8,189,000 | 11,035,000 |
| Interest expense | 677,000 | 1,344,000 | 2,023,000 | 2,704,000 |
| Net interest income | 2,015,000 | 4,044,000 | 6,166,000 | 8,331,000 |
| Noninterest income | 398,000 | 831,000 | 1,243,000 | 1,313,000 |
| Noninterest expense | 1,184,000 | 2,359,000 | 3,576,000 | 5,110,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,440,000 | 2,642,000 | 3,929,000 | 4,531,000 |
| Income tax | 10,000 | 25,000 | 37,000 | 48,000 |
| Net income | 1,430,000 | 2,617,000 | 3,892,000 | 4,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,452,000 | 31,029,000 | 31,695,000 | 29,134,000 |
| Total capital | 32,701,000 | 33,317,000 | 33,953,000 | 31,456,000 |
| Risk-weighted assets | 179,582,000 | 182,757,000 | 180,274,000 | 185,716,000 |