Call reports 2002
WOODSVILLE GUARANTY SAVINGS BANK — 2002
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 213,441,000 | 224,162,000 | 228,010,000 | 235,225,000 |
| Total loans | 158,185,000 | 164,178,000 | 167,984,000 | 171,559,000 |
| Allowance for loan losses | 1,448,000 | 1,145,000 | 1,194,000 | 1,271,000 |
| Securities available for sale | 37,664,000 | 41,350,000 | 38,347,000 | 35,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,418,000 | 180,261,000 | 183,768,000 | 186,983,000 |
| Interest-bearing deposits | 157,694,000 | 162,524,000 | 165,995,000 | 168,460,000 |
| Noninterest-bearing deposits | 16,724,000 | 17,737,000 | 17,773,000 | 18,523,000 |
| Equity capital | 16,174,000 | 16,096,000 | 16,374,000 | 17,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,491,000 | 7,043,000 | 10,658,000 | 14,307,000 |
| Interest expense | 1,306,000 | 2,592,000 | 3,915,000 | 5,185,000 |
| Net interest income | 2,185,000 | 4,451,000 | 6,743,000 | 9,122,000 |
| Noninterest income | 279,000 | 578,000 | 892,000 | 1,203,000 |
| Noninterest expense | 1,553,000 | 3,239,000 | 4,918,000 | 6,919,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 360,000 |
| Pretax income | 857,000 | 1,683,000 | 2,513,000 | 3,027,000 |
| Income tax | 307,000 | 489,000 | 727,000 | 902,000 |
| Net income | 550,000 | 1,194,000 | 1,786,000 | 2,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,395,000 | 16,080,000 | 16,399,000 | 16,840,000 |
| Total capital | 17,843,000 | 17,225,000 | 17,593,000 | 18,111,000 |
| Risk-weighted assets | 147,845,000 | 154,594,000 | 155,617,000 | 159,451,000 |