Call reports 2005
WOODTRUST BANK — 2005
What WOODTRUST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 238,098,000 | 243,003,000 | 243,656,000 | 259,967,000 |
| Total loans | 160,186,000 | 160,715,000 | 165,078,000 | 161,803,000 |
| Allowance for loan losses | 2,460,000 | 2,321,000 | 2,350,000 | 2,344,000 |
| Securities available for sale | 55,630,000 | 48,616,000 | 50,579,000 | 48,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,904,000 | 195,041,000 | 196,709,000 | 208,259,000 |
| Interest-bearing deposits | 151,140,000 | 153,676,000 | 155,492,000 | 166,790,000 |
| Noninterest-bearing deposits | 35,764,000 | 41,365,000 | 41,217,000 | 41,469,000 |
| Equity capital | 29,538,000 | 30,503,000 | 31,212,000 | 29,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,861,000 | 5,965,000 | 9,107,000 | 12,616,000 |
| Interest expense | 738,000 | 1,492,000 | 2,311,000 | 3,291,000 |
| Net interest income | 2,123,000 | 4,473,000 | 6,796,000 | 9,325,000 |
| Noninterest income | 463,000 | 1,011,000 | 1,639,000 | 2,162,000 |
| Noninterest expense | 1,364,000 | 2,741,000 | 4,204,000 | 6,072,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,192,000 | 2,585,000 | 4,043,000 | 5,060,000 |
| Income tax | 8,000 | 21,000 | 28,000 | 45,000 |
| Net income | 1,184,000 | 2,564,000 | 4,015,000 | 5,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,318,000 | 30,885,000 | 31,725,000 | 30,389,000 |
| Total capital | 32,653,000 | 33,206,000 | 34,027,000 | 32,733,000 |
| Risk-weighted assets | 186,707,000 | 188,062,000 | 192,894,000 | 194,478,000 |