Call reports 2003
WOODSVILLE GUARANTY SAVINGS BANK — 2003
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 247,569,000 | 252,645,000 | 250,020,000 | 255,825,000 |
| Total loans | 172,994,000 | 185,748,000 | 191,092,000 | 191,184,000 |
| Allowance for loan losses | 1,345,000 | 1,485,000 | 1,581,000 | 1,660,000 |
| Securities available for sale | 41,354,000 | 38,936,000 | 40,031,000 | 35,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,584,000 | 201,619,000 | 200,810,000 | 203,320,000 |
| Interest-bearing deposits | 176,090,000 | 181,934,000 | 180,285,000 | 183,054,000 |
| Noninterest-bearing deposits | 17,494,000 | 19,685,000 | 20,525,000 | 20,266,000 |
| Equity capital | 17,956,000 | 19,034,000 | 19,455,000 | 20,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,553,000 | 7,214,000 | 10,853,000 | 14,368,000 |
| Interest expense | 1,189,000 | 2,316,000 | 3,347,000 | 4,340,000 |
| Net interest income | 2,364,000 | 4,898,000 | 7,506,000 | 10,028,000 |
| Noninterest income | 291,000 | 624,000 | 952,000 | 1,275,000 |
| Noninterest expense | 1,820,000 | 3,666,000 | 5,505,000 | 7,342,000 |
| Provision for loan losses | 90,000 | 240,000 | 390,000 | 540,000 |
| Pretax income | 713,000 | 1,655,000 | 2,661,000 | 3,633,000 |
| Income tax | 239,000 | 571,000 | 924,000 | 1,262,000 |
| Net income | 474,000 | 1,084,000 | 1,737,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,378,000 | 18,224,000 | 18,914,000 | 19,608,000 |
| Total capital | 18,723,000 | 19,709,000 | 20,495,000 | 21,268,000 |
| Risk-weighted assets | 163,042,000 | 166,759,000 | 164,492,000 | 165,054,000 |