Call reports 2004
WOODLAND BANK — 2004
What WOODLAND 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 | 77,446,000 | 79,338,000 | 83,777,000 | 85,822,000 |
| Total loans | 62,619,000 | 64,057,000 | 65,935,000 | 68,594,000 |
| Allowance for loan losses | 574,000 | 575,000 | 634,000 | 640,000 |
| Securities available for sale | 6,660,000 | 6,199,000 | 7,539,000 | 7,469,000 |
| Securities held to maturity | 655,000 | 860,000 | 1,030,000 | 1,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,469,000 | 70,491,000 | 75,365,000 | 75,675,000 |
| Interest-bearing deposits | 60,259,000 | 60,768,000 | 65,576,000 | 67,134,000 |
| Noninterest-bearing deposits | 9,210,000 | 9,723,000 | 9,789,000 | 8,541,000 |
| Equity capital | 6,151,000 | 6,239,000 | 6,524,000 | 6,624,000 |
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 | 1,157,000 | 2,352,000 | 3,603,000 | 4,875,000 |
| Interest expense | 389,000 | 771,000 | 1,172,000 | 1,592,000 |
| Net interest income | 768,000 | 1,581,000 | 2,431,000 | 3,283,000 |
| Noninterest income | 261,000 | 521,000 | 805,000 | 1,033,000 |
| Noninterest expense | 699,000 | 1,346,000 | 2,039,000 | 2,831,000 |
| Provision for loan losses | 30,000 | 125,000 | 200,000 | 240,000 |
| Pretax income | 300,000 | 631,000 | 992,000 | 1,241,000 |
| Income tax | 114,000 | 240,000 | 377,000 | 495,000 |
| Net income | 186,000 | 391,000 | 615,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,094,000 | 6,299,000 | 6,522,000 | 6,654,000 |
| Total capital | 6,668,000 | 6,874,000 | 7,156,000 | 7,294,000 |
| Risk-weighted assets | 56,533,000 | 58,384,000 | 60,039,000 | 62,071,000 |