Call reports 2005
WOODLAND BANK — 2005
What WOODLAND 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 | 86,887,000 | 92,004,000 | 95,078,000 | 95,422,000 |
| Total loans | 70,679,000 | 74,336,000 | 77,685,000 | 77,886,000 |
| Allowance for loan losses | 677,000 | 683,000 | 767,000 | 684,000 |
| Securities available for sale | 6,467,000 | 6,533,000 | 6,479,000 | 6,484,000 |
| Securities held to maturity | 1,020,000 | 1,000,000 | 900,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,626,000 | 77,084,000 | 81,020,000 | 82,270,000 |
| Interest-bearing deposits | 65,716,000 | 66,188,000 | 69,774,000 | 72,148,000 |
| Noninterest-bearing deposits | 9,911,000 | 10,896,000 | 11,246,000 | 10,122,000 |
| Equity capital | 6,413,000 | 6,641,000 | 6,801,000 | 6,979,000 |
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 | 1,298,000 | 2,670,000 | 4,179,000 | 5,679,000 |
| Interest expense | 422,000 | 878,000 | 1,400,000 | 1,968,000 |
| Net interest income | 876,000 | 1,792,000 | 2,779,000 | 3,711,000 |
| Noninterest income | 269,000 | 543,000 | 867,000 | 1,123,000 |
| Noninterest expense | 787,000 | 1,611,000 | 2,538,000 | 3,453,000 |
| Provision for loan losses | 40,000 | 115,000 | 200,000 | 235,000 |
| Pretax income | 318,000 | 609,000 | 908,000 | 1,146,000 |
| Income tax | 121,000 | 231,000 | 345,000 | 387,000 |
| Net income | 197,000 | 378,000 | 563,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,496,000 | 6,678,000 | 6,863,000 | 7,059,000 |
| Total capital | 7,173,000 | 7,361,000 | 7,630,000 | 7,743,000 |
| Risk-weighted assets | 63,777,000 | 69,941,000 | 73,384,000 | 74,552,000 |